Capital One Financial Corporation

Review: I was talking with a customer service representative about my credit card increase that I sent in and I asked why it is taking so long. When I did it online it said 10 days, when I called in she said 12 days, I think what it says online should be honored until it is updated. I feel I got no help for my problem or any of my questions answered. Is there no faster process of handling credit line payment increases? I was very unhappy with the service I was provided.Complaint concerns: a Credit CardDesired Settlement: I would like my money on my card in the allotted time that the online service said it would be on there.

Business

Response:

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

Review: Capital one failed to post a 100$ credit to my account after I paid them a 400$ balance reduction payment.Complaint concerns: a Credit CardDesired Settlement: balance reduced by 100$.

Business

Response:

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

Review: I was contacted by Capital One and told that my credit card information, as well as several thousand others, had been compromised and for the 5th time in 3 years I would need to close my account and have a card reissued. While I can appreciate that this type of fraud is happening more and more often in a world where data bases are hacked on a regular basis, I had one very simple question. Where was my data hacked? As a victim of the fraud, I have a right to know. I'm being told that I will not be given that information. This is similar to having my car stolen, the police stating that they know who stole it, but they will not tell me. I have called Capital One twice, engaged in 2 irritating chat sessions., asked for someone to call me with an answer to my question and have yet to have a call initiated by Capital One to me. I can only assume that either Capital One's data base was hacked and they don't want the word to get out or that they are protecting a large merchant who is more important to them than me. In fact, Stanley, the last person at CO that I talked to, told me as much, stating that merchants have rights, too or that maybe I could call local law enforcement and they could tell me. Really?? So patronizing and insulting.My complaint concerns: a Credit CardDesired Settlement: I want to know where my information was compromised.

Business

Response:

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

Consumer

Response:

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

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

Regards,

Review: I Have a unsecured credit card, and I applied for an increase and I have made more than required payments and was denied ever single time, for the month of September I made over $400.00 In payments. Yesterday I applied again and again I was denied, this time the letter stated that I had a return payment. On my last payment of 130 the bank returned it because I tried to pay through my savings which I didn't know so I moved my money to my checking and made a $139 payment. First of all,this was not a required payment I had paid that plus more. I called CO and they informed me I needed to wait 2-3 month for this to clear up in their system. I don't think that is fair. I know I have provided my credit worthiness and I should be issued an increase.My complaint concerns: a Credit CardDesired Settlement: I earned an increase to my credit limit.

Business

Response:

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

Review: I feel that I am being taken advantage of by Capital One Auto. There are numerous miscellaneous fees on my account that do not add up. I don't understand how I am over 30 days late on my account when I have been making payments every month. Every attempt I have made via email, phone and mail to get answers has been unsuccessful.My complaint concerns: an Auto LoanDesired Settlement: I would like a FULL explanation of the charges, broken down and the late/unnecessary charges removed.

Business

Response:

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

Review: I contacted capital one and set up automatic payments on the account. I was told that my credit report would be updated and that I would get something in the mail saying this. I never got anything in the mail and it is still showing as unpaid and in collections on my credit report. It does not state that I am making payments per my agreement.My complaint concerns: a Credit CardDesired Settlement: I want my credit report updated that I am paying the account, and when the account is paid in full I want the collection and false negative information along with all the account information removed from my credit report.

Business

Response:

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

Review: That I know of I have no business with Capital One. However Capital One continues to send me mail asking me to become a customer. In addition to asking me to become a customer. They send the same application to my address[redacted] but listed to "[redacted] That is a fictitious name. In fact it seems like you purchased information from [redacted] and the contacted me to become a customer with you. The reason I say this is because every fiction card I had with [redacted], you would send an invite to. Please take me off of your list. I have go to your company website about privacy and it is unclear who to contact.My complaint concerns: OtherDesired Settlement: Please take me off your solicitation list. I would request you do an address search on me, [redacted] and remove any mailing you are mailing to that list. I thank you kindly.

Business

Response:

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

Consumer

Response:

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

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

Regards,

Hello, I have submitted a complaint against Capital One for this same reason in the past and received a letter from Capital One stating they had resolved the issue and it would not happen again. Yet it continues to happen. I primarily use my American Express Card and on that account I have additional cards. I use to work for [redacted] so I added additional cards so I could help others add additional cards. So I added [redacted] to my account, which is my first and middle name with my last name missing. Some how Capital One got info from [redacted], which is highly upsetting in my opinion. I still get card offers from Capital one in the name of [redacted]Capital One please take me off your solicitation list. I kindly ask you to do this. If you need to call me to obtain my information so you may complete this request please feel free to call me.

Review: Somebody at Capital One Bank has been adding various fees to my Capital One MasterCard account, making the available credit too low, and hardly nothing that I pay is applied to the remaining balance but a few dollars. All I will pay now is $25.00 a month until further notice or until my account is paid off.My complaint concerns: a Credit CardDesired Settlement: Ask Capital One Bank to take off all the made up fees, and to fix my account.

Business

Response:

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

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.]

May 10, 2016

I do not accept what Capital One Bank wrote in response to my Revdex.com Complaint. I will only pay $25.00 a month until further notice, or until my account is paid off, and I will only pay for what I charge on this account. I will pay on this account between 36 to 40 more months at $25.00 a month, any made up fees or made up charges--drop it.

Regards,[redacted]

Capital one credit customer service sucks. The supervisor was so rude and insensitive to my issue. Supervisor Daniel ( ID NUMBER OX374) was the most careless individual I ever spoken to. I stayed to him that my car broke down on the side of the road with my baby and I and the only source of payment I have to get my car towed is my capital one credit card that only had 20 dollars available. I called customer service and spoke to mr. Daniel in which I asked him to allow 150 dollars to my credit card to get my car towed and for transportation. Mr. Daniel states to me that nothing can be done and I should try to flag someone down to help me on the side of the road or make some phone calls because he can't help me.
I stated is this the way you guys treat loyal members of the company. Mr. Daniel stated I can't do anything for you. After that I stated to him that I'm canceling my credit card with you guys. He was quick and anxious to get me to the cancellation department. I told him I'm reporting him and his nasty attitude for the no help for my child and myself in his situation. He jus hung up then phone.

Review: They refuse to handle simple issues such as marriage name name changes and simple requests to change passwords. I have been with them for almost 6 years with no late payments and they gave me no help at all with my first customer service request..they just continue to say NO ONE is available. BEWARE that are also flawless and that treat me really good! I have a [redacted] and a [redacted].

Product_Or_Service: CreditDesired Settlement: DesiredSettlementID: Refund

Refuse to pay interest or debt for breach of contract. I had to cancel due to disrespect and non answer after they claimed they have great amazing customer service, yet they are still avoiding my calls and I have phone records to prove. They all have artificial names and fake Identities. "[redacted]" "[redacted]" and an "Operator" that just denies you service. I have audio and electrical proof that will suffice in court. I originally agreed to pay if we could come to an con

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: Capital one has sent me a bill for a credit card I did not ask for. There is a fee to have a credit card and I tried to cancel or stop this bill from proceeding. I was unable to get the card cancelled A supervisor([redacted]) SAID I NEED TO GIVE THEM MORE INFORMATION I VERIFIED MY ADDRESS NAME PARTIAL SOCIAL,still would not cancel the card. what can be done to stop this card company to start credit cards in peoples names with out there consent?Desired Settlement: cancel the card I don't want. Never asked for.

Business

Response:

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

Consumer

Response:

The regional rep from Capital one was very helpful and he has assured me that the individuals that pushed there limit with me have been spoken to and there way of solicitation from old purchased records from long ago credit cards will be reviewed. Thank you Revdex.com.

[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 obtained a Capital One Secured Card to make my car payment. Then I found out that I could only make my payments using my checking account or send a money gram. I tried to send a money gram with my Capital One card and could not unless I had a pin for my Capital One card. I called Capital One set up a pin number on the card, Then I tried to send a money gram again using my Capital One card, this time I was told that the card was coming up as credit only. I tried 24 hours later and was told the same thing. I called Capital One Customer service, explained that I need the money to make my car payment and was told that I could only get $100.00 in cash off my card. My available Balance At that time was $488.00. explained that I needed the balance to make my car payment and was told by the customer service rep. that there was nothing they could do to help me. By this time my car payment is late and I had to wait until I got two more pay checks before I could make it. Mean while I tried using the Capital One Card to purchase other things only to have the card declined. I went on line to check my balance and there was a notice posted in red that my next payment was due June 5 and this payment past due, even thought the due date was not here yet. The payments for the card were on automatic electronic deduction from my checking account, and they had just received a payment. I called Customer Service and was told that they could not explain what was going on with my account. A week later I decided to call and close my account. This was a Secured Card, I had deposited $661.00 on to the card. The rep that closed the account told me to call back in 3 business days and request the remaining balance of $487.15 be sent to me and this would speed up the process of getting my remaining balance back. I did and was told that they could not send me my balance until the account cleared and it was showing that my payment was pass due. I pointed out to the person that a payment was just made and that online it was showing that my next payment due in June was showing past due and it was not June yet. They could not explain this and would only tell me that I could not get my money back once the account cleared. I called again and got an automated message that it would be 60 to 90 days before I received my money. $487.15. I got this card to make my car payments and the only thing I have got is a headache and the runaround from customer service. This was a Secured card not a credit card. I had deposited cash on to the card for a specific reason and was not able to access the money when I needed it. If I cannot use the card when I need it why have the card ? It did not take them a long time to make withdrawals from my checking account. Why do I have to wait so long to receive money that is mine?Desired Settlement: My Credit rating not Affected by this and My money refunded, $487.15 with out any hassles.

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 2 credit cards with capital one. My husband underwent several surgeries in the past 2 years and his lack of unemployment has caused me to fall behind on my bills. I received an e-mail from capital one that said that I had to make a payment or the account would be terminated. I contacted capital one to set-up a payment arrangement for both cards. The representative told me the amount I had to pay and I told her that I could not afford it so we lowered the amount to $50 bi-weekly. She stated that this would not clear up the balance but I told her since she could only schedule the 1st 3 payments, that I would schedule the rest on my own so I can make sure I am in good standing. I honored my end and when I went to schedule my payments, I saw that one of my cards stated "restricted." I called capital one to inquire and they said since I did not fulfill the amount, the account was restricted. I explained that I did have an available credit and that I did keep the promise on my end to continue the payments. I asked if the restriction could be lifted and the person said no. I then asked to speak to a supervisor who told me that the account may or may not be lifted off of restriction and I just have to keep checking back. The level of service I received for a legitimate concern that I was trying to get assistance on was ridiculous as no one could tell me anything. Then, I was finally told that it was because I did not may the minimum that they wanted me to pay when I originally set up the payment arrangement. The first representative never told me that the account would be restricted or I would have tried to figure something else out. I was told that I could cancel the card and keep paying it and then apply for a new card. In addition, I was assessed a service fee for an account that capital one restricted which I cannot understand what service they are offering me except for not being understanding when people fall on hard times.Desired Settlement: I am requesting that my account be re-instated under the agreement that I will continue my $50 bi-weekly payments and the service fee be reversed.

Business

Response:

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

Consumer

Response:

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

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

Regards,

Review: My Credit Card was stolen in August 2013 ... Iwas on the metro bus sitting down I was checking my purse for something and set my little coin purse that had the credit card every thing I had was in it. so I had to renew every thing to. getting back to the bus just when I thought I had everything in my purse I had a coffee in my had and I took out my coin purse to purse so that I could get a water while I was going to wait for another bus. but before I got off the bus coffee in hand and then I set my coin purse down beside me on the seat my stop had to get off the bus so I still had coffee in hand I got off walked over to the garbage can and then realized my coin purse was gone I then looked for it in the garbage was not there went back on the same bus I was just on looked where I was sitting it was not there I even got the bus driver looking for it he closed the doors so no one could get on while we looked.now I knew it was stolen the bus driver gave me his number and which bus it was stolen from.he said to call metro police.when I got off the bus an officer was standing by so I asked the officer if I should file he told me to report to the company first.I then called capital one and told them just what I told here in this letter. I asked for a replacement a new card because this card was stolen. and it was never acitvated so I replace the one that was stolen I never charged any thing on it.so then after I was told that I would get a new card I waited a number of weeks thing any day now it will be here never came but how ever I must have gotten a new card but I never got a new card. but I did get a new card statement with acct number new so during all this weeks a month goes by no new card, but capitalone made sure to call wanting fees charging me to have a card that I never used twice I tried to actavite it never was actvated because of the fee for just having it is why all the fees it was ownly $ 25 at the time so each time I said I would pay it I never could send the money I never got enough to pay it.they just keep charging me..so now when I talk to the I finally pay off what was owed I paid 163.90 I would like to get my money back on my credit card please.. I feel that I was ripped off because I never got a chance to get my new card or charge any thing on the card that was stolen I paid fees and never was able to use any card the stolen when I got that one it was never actavated and the replaced one I never got so why should capitalone keep my $ 163.90 That's just not wright.

Business

Response:

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

Review: AN AUTO LOAN THAT WAS ESTABLISHED IN APRIL 2010 AT THE RATE OF $353.00 A MONTH THAT COAF DOES NOT DISPUTE WAS PAID FAITHFULLY ON THE FIRST OF THE MONTH FOR THE PAST 2 YEARS SHOWS UP ON MY CREDIT REPORT AS PAID LATE AND THEY REFUSE TO CORRECT THE ERROR. THE CAR SOLD FOR $14,000 AND AFTER PAYING ON IT FOR 3 YEARS COAF IS SHOWING A BALANCE DUE OF $10,000. THEY HAVE SOMEONE HARASSING AND THREATENING ME FROM [redacted], CALLING AT ALL HOURS OF THE DAY AND NIGHT WITH MORE AND MORE OUTRAGEOUS THREATS. THEY REFUSE TO MAKE THE NECESSARY CHANGES SO THAT I MAY GET RID OF THEIR COMPANY. THE ENTIRE TIME THAT I HAVE BEEN PAYING THEM THERE WERE NO PROBLEMS WITH THEM ACCEPTING MY MONEY UNTIL I QUESTIONED THEIR PRACTICES AND ETHICS AND INFORMED THEM THAT I NO LONGER WANTED TO DO BUSINESS WITH THEM. RECENTLY I'VE BEEN TRYING TO TRADE MY CAR TO GET AWAY FROM THEM AND THEY KEEP RAISING THE PRICE OWED AND FRAUDENTLY REPORTING MY PRIOR PAYMENTS AS LATE. I HAVE PROVIDED CANCELLED CHECKS TO COAF AND [redacted] AS PROOF OF PAYMENT. COAF CONCEDES THAT PAYMENTS WERE MADE ON TIME BUT REFUSES TO CHANGE STATUS THEY REPORTED TO CREDIT BUREAS AND MAKE THE NECESSARY ADJUSTMENTS TO MY ACCOUNT.Desired Settlement: COAF AND [redacted] FIX CREDIT REPORT OF ALL ERRORS AND COAF ADJUST MY BALANCE DUE ACCORDINGLY, DEDUCT ALL FEES AND LATE CHARGES, BRING ACCOUNT CURRENT AND STOP HARASSING AND THREATENING PHONE CALLS.

Business

Response:

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

Review: Capital One Credit in which I am past due on payments. I have attempted on numerous occasions to log in to my account online and I am always informed that too many attempts to sign has "locked" my account. I would like to resume my regular payments with this company (after catching up my payments) but am never able to talk to anyone in customer service. I have been contacted repeatedly by their collection agency, but when I pick up the phone there is no one there. When it goes to voice mail, I have messages from a [redacted], but can never get through when I call back. I refuse to deal with their collection agency and I will resume my payments when I can gain access to my account via the Capital One website. .Desired Settlement: I would like their collection agency to stop contacting me, I would like to gain access to my online account so I can monitor what is owed and make my payments accordingly. I will not pay anymore and will allow the account to default if this does not occur.

Business

Response:

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

Review: I presented a check in the amount of $2610.32 on 7/3/13 for services from the capitalone convenience checks, didn't receive the services have contacted capitalone to reverse the charges, one representative told me they would honor the request and didn't, I called back a few months later and another proceeded to write his interpretation of the matter and assured me that he would reverse approximately $895 of the charges, today I called another representative told me there is nothing to be done and if I want I can just not use capitalone again. Three different representatives three different response and still no resolution. The company that received the check is no longer contactable so capitalone is the only recourse and I believe if the first representative told me she would reverse the charges then capital one should honor that requestDesired Settlement: I would like capitalone to reverse the charges of $2610.32 has initially promised

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.

Review: [redacted]/Capital One sent a letter enclosed, stating there will give out [redacted] & other private information of mine that could & will cause ID theft I called them and cancelled my card and told them not to give out my [redacted] or anything else. They laughed at me and told me that they have the right and I could not do anything about it. I recorded the phone call (see complaint online).Desired Settlement: To make them not give out my "info" and if they do? Then make them pay for the damages.

Business

Response:

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

Review: I have been in contact several times with Capital One about this. I am seriously considering legal consultation about this as well. Back in October, we apparently had a balance on our bill. However, we never got a bill. The company never bothered to contact us about this until December 23, 2014. They claimed we never got a bill because we switched the account to paperless billing. I can assure you this is not the case, my wife is the primary card holder and it would go to her email, but I am the one who does all the bills and files them. If it got switched to paperless billing it would either be my account was hacked, which there is no other sign of that happening, or a server error. I am even willing to admit maybe I did accidentally click on the wrong thing. I am Not aware of any such action. We in turn then called them as soon as we got the letter, told them what happened, they put us to a supervisor. The supervisor in turn waived all fees and we paid the balance - I want to say it was $105 in full. We then asked them if they had reported to the credit bureau to please tell them that this was a mishap, not calling fault, but that it was paid in full and corrected. Me and my wife both have credit scores in the 800's also, we are very careful and never intentionally pay our bills late. They have refused to do so, and after my conversation today with another supervisor who was very snooty to me on the phone, said flat out that it could never be their servers fault and that I am to blame. They would never report to the credit bureau and that I am wasting my time basically. So basically, they stopped sending me a bill, never notified me of the balance due ( I really thought I had paid it in full ), then go and report to the credit bureaus, 2 months before they even send me a letter to say that there is an outstanding balance !Complaint concerns: a Credit CardDesired Settlement: I want them to send a letter to the three credit bureaus and just say that it was an error an no fault, the account was not intentionally delinquent . That simple.

Business

Response:

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

Review: We're trying to access a checking account we opened five years ago but you refuse to grant us access to the account, despite us having all our credentials. Previously we were able to access the account, but you would not allow us to withdraw our OWN money out of the account! What kind of a bank does this??? And now you've gone and locked down our account for no reason, and we have $300+ just sitting in there that we want to take out so we can be done with you and your awful service.

Instead, you're making my father call when he's not even located in the US anymore. Does he really need to deal with the time difference and the hassle of making a long distance call when we just want to take our own money out? What kind of a bank does this to its own customer? A horrible bank like you that's who.

All we're trying to do is access to the account so we can transfer the money back to THE SAME ACCOUNT that we used to transfer the money in in the first place. We're not trying to withdraw it at the ATM or even transfer it to a different account, so we don't even know what the problem is in the first place. Basically as soon as this account was created and we stupidly transferred the money in, it was locked and we were unable to withdraw or transfer the money out again. Seriously outrageous.My complaint concerns: a Banking Account (Checking)Desired Settlement: LET US WITHDRAW OUR OWN MONEY!!!!

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.

Seriously, I don't understand why they make it so difficult to close an account and why they're making us go through all this trouble. No we do not accept their response, and we want to get our [redacted] money back!!

Regards,