Capital One Financial Corporation

Review: have several accounts with Capital Bank and is an excellent bank, but never authorize my name or my SS# was used in the next 2 accounts:

[redacted] Credit Limit 10,000

[redacted] Credit Limit 5,000

This affects my credit repair and need to be removed immediately, I never authorize and never send any documentation for that.My complaint concerns: a Credit CardDesired Settlement: I need erase that information from my all 3 Credit reports as soon if possible. [redacted]

Business

Response:

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

Consumer

Response:

I have reviewed the offer 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.

Its my name its my Social Security, I never authorize use my name and SS,immediately remove. I never authorize and never asked or called.

Regards,

Review: I have contacted capital one several times making a settlement on my accounts ending in [redacted] and [redacted] spoke with several people with not any return contact. I spoke with shekeya jakson never returned call after repeatedly calling her. [redacted] Johnson told me she would look into account never called back and Amanda told me she cant deal with the case it is already assigned to someone. I have emailed and called all of these people in the executive office and nothing . I just am asking for my credit reports to be fixed and updated.My complaint concerns: a Credit CardDesired Settlement: I would like my credit report corrected with correct information after I contacted capital one and in good faith settled my debt! I was told after settling these account they would be reported as a zero balance to my credit report that is not the case they are still reporting a balance. I would like them report paid and zero balance . I have even emailed the CEO [redacted] 3 time to clear this matter up. I am in good faith contacting this company this false reporting is severally impacting my credit and would like to buy a house. so please correct the credit report . I have paid my debt. I do not want them to contact me just send me a letter saying it was fixed or give me a letter to send to the 3 credit bureaus. thanks so much [redacted]

account numbers are [redacted] and [redacted]

Business

Response:

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

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: 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: 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: Victoria called capital one auto, and heard the prompt, we are 2 days past due, and illegally charged us $387.99 for 2 days past due. Usually it's our minimum payment that tells us to pay off for being 2 days late.

We did the math, $254.72 we are illegally charged. We don't even know why its that much. We want this matter fixed soon!

$133.27+133.27= nowhere near there.My complaint concerns: an Auto LoanDesired Settlement: Fix the mistake, or 2 weeks worth of that mistake free (capital one paying $387.99 for us -- for their mistake)

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.]

Review: I had debts dischaeged in bankrupcy in 2004.

I have had no credit cards since that date.

They keepsending me letters . 6 mnths now.

I do not owe anyone any money. Capitol one was in my bankrupcy. Six months ago they started sending me letters saying I owed money. I do not.

I am in the process of getting my transcripts.

I lost alot of peperwork in a flood.

The acct # they gave me is [redacted] I have no record of the capitol one acct.

They want personal information. I have not given it

I think they should check the records and my credit report before the threaten me with courtDesired Settlement: Stop bothering My wife and I with an illegal debt

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: This is on behalf of client. The client has requested Capital One clear erroneous balance. With each request, Capital One responded with an auto response, ignoring the request of the client. Capital One failed to correct Capital One errors, and instead ran up erroneous fees. Capital One does not respond to the client with logic or an attempt to resolve the situation, but rather, only with pre formatted replies.Desired Settlement: 1)Make all information accurate and positive with relation to credit reporting bureaus and/or agencies. To clarify, that means that Capital One needs to let the CRB/CRAs know that the client has always paid on time and has never had a past due balance. If Capital One has information that suggests otherwise, they still must do #1 because of their failure to provide such information in a lawful manner to the client 2) Clear the balance 3) Place a $724 credit on the account for billable hours as of this writing. 3) Keep the account active

Again, Capital One has failed to respond lawfully to correspondence processed via [redacted] in accordance with law, and has further failed to respond to correspondence through the Capital One online messaging system. For the purposes of this complaint, an copy/paste/auto response does not qualify as a valid effort on behalf of Capital One to provide simple customer service. All auto generated responses evidence Capital One refusing to process a consumer question.

Business

Response:

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

Consumer

Response:

I have reviewed the document made by the business (Capital One) in reference to complaint ID [redacted]. However, there exists no offer. Capital One chose to avoid fixing their simple error and instead waste the time and resources of their own company and of [redacted]. They continue their violations and consumer harassment through various means, including and not limited to the US Postal Service. To illustrate the lack of effort and communication on behalf of Capital One: Capital One continues to extend various offers of credit via the US Postal Service, yet entirely refuses to solve their simple billing error. If Capital One had any information contrary to what [redacted] initially contacted them with (and as provided to the Revdex.com), they could have furnished it anytime over the past 6 months. Instead however, Capital One chooses to report false information to the CRA/CRBs. Capital One could have a regular CS agent spend a few minutes to solve their problem.

Regards,

Review: I recently applied and was approved for a Capital One credit card. I received the card and have been trying to call customer service to activate the card. I didn't want to do it online because I want to discuss a few things with the representative before using the card. I have not been able to reach anyone. I have called every number provided and get the same recording that states, due to network difficulties your call cannot be completed as dialed, please try your call again later. Numbers I have tried are as follows, activation number is [redacted], 24 hour customer service is [redacted], and small business credit card number [redacted]. I tried all of the others listed on the website and not getting anywhere. I am of course hesitant to ever use capital one, and looked online and saw reviews from customers stating that they are receiving late fees due to not being able to pay a bill online. Please check into this and get back to me if possible by phone. [redacted] I have not activated my card or of course used the card, but they do have all of my information. I always thought Capital One was a good company and some of my family members have used them for credit services. I just want answers and I am of course nervous that this company now has my information and I have no clue if fees have been applied that I may owe in the future. My paperwork stated no fees, but I can't check for myself.Desired Settlement: Answers and a response from Capital One

Business

Response:

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

Review: I was told my credit card balance would be cancelled over a month ago for my payment protection elite. This has not been done can you please tell me why? I have spoken to several representatives. Please help!!!My complaint concerns: OtherDesired Settlement: Please do what was promised over a month ago.

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 10801131, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. So you are basically telling me that my initial claim from Feb 2014 to now that I have to wait another 18 months before you will even honor my benefit. I HAVE WORKED A TOTAL Of 8 hours since February 2014. I keep writing , I call and I have filed disputes with all three credit bureaus. When I call you just transfer me. I was on the phone almost three hours tonight with Capital One. I was transferred to 8 different people with no resolution with the only response being we will have someone call you back in 24 to 48 hours. DO YOU NOT UNDERSTAND how frustrating this is. Do you need to be deceased for the benefit to work?

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

Regards,

Review: I had a credit card with [redacted], which was bought by Capital One. This debt was then sold to [redacted]. All 3 businesses have been reporting on my credit report for this one account. This has been ruining my credit score for years. My life has been difficult in the way that I am not approved for any credit. Imagine my surprise to see that 3 companies decided to ruin my credit for one account.My complaint concerns: a Credit CardDesired Settlement: The debt I had with Capital One was sold to [redacted]. I want any information reported by Capital One and/or First Premier removed from all of my credit reports.

Business

Response:

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

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I mistakenly mentioned the account was by [redacted]. I was incorrect. The account is HSBC Bank. The account is being reported by Capital One, HSBC Bank, and [redacted]. [redacted] is reporting twice once each for Capital One and HSBC Bank. This is all for ONE account. It is ruining my credit.

Regards,

Review: I am writing regarding an ATM deposit that was made but was never credited to my checking account. On either 5/29/2015 or 6/1/2015, I deposited two checks via a Capital One ATM at the Pender Village ([redacted]) location in Fairfax, VA. When my online banking account did not reflect the deposit, I called Capital One to describe my issue and was given a provisional credit pending an investigation. I was not asked for any details of the checks but did provide an estimate of the total deposit and the day I believed the deposit to have been made.

After not receiving any communication regarding the progress of my claim, I received a letter on 7/24/2015 that was dated 7/17/2015 stating that my claim had been denied and that the provisional credit will be removed on the 28th of July. The letter also stated that I may call for the details of the decision as well as to receive copies of any documentation used in the decision making process. I called immediately upon receiving the letter on 7/24/2015 and was told that the person that worked on my claim had gone for the day, that only this individual could look into my claim and provide me the information I needed, that the individual had attempted to call me ONCE on 7/16/2015 (they did not leave a message or attempt to call again), and I was told to call again on 7/27 during business hours of 8 am- 8 pm.

As of today I have called and spoken to several individuals about my claim. No one that is able to discuss the claim is available. I have all documentation needed to confirm that the deposits were made and cleared the check writer's accounts but do not have the credit for the deposit. I have been informed that the individual working on my claim is out of the office today and all management that would be able to assist me are in a meeting (It is going on 2.5 hours and I have been given this response twice). Not only has a deposit of mine disappeared, Capital One has had no sense of urgency in investigating my loss.My complaint concerns: a Banking Account (Checking)Desired Settlement: As the check amounts have been debited from the check writer's account, I would like my deposit to be credited to my account. I would like a thorough investigation including research of the check images, a look into camera footage of the ATM on those dates, and communication to the check writer's institution for confirmation that the checks were deposited/ cashed. I would also like to be reimbursed for any overdraft fees incurred due to Capital One's lack of urgency in resolving this matter and their disregard in working with a customer on missing funds.

Business

Response:

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

Review: I have been inquiring with Capital One regarding my credit card. I fell behind in my payments due to unemployment at the end of 2014. I was contacted by Capital One by mail in 2014 with a repayment plan (referred as Aging Program by Capital One). When I received this information, I called the phone number and spoke with a man who further discussed the details of the program. He said if I made these 3 payments, per this schedule, my account would be back in good standing and my account would be up to date, as if I had never been late. I recently discovered that my account was never corrected. I have called Capital over 15 times in the last 3 weeks and received different information, incorrect information and missing information. On April 2, 2016, when I spoke to Alanza, employee [redacted]. I explained the situation from the beginning. She put me on hold for 30 minutes to discuss the case with her Sr. Manager. I asked her to pull the phone conversation I had in 2014 regarding my repayment offer. When she came back on the phone she said they agreed with my complaint and my account would be updated. I asked her twice, what “updated” meant. She answered that updated means corrected. I asked her again, “to confirm, updated means corrected”, and she said yes. 1 week later I called Capital 1 regarding updates, I spoke to a Sr. Manager, Shaquetta, employee [redacted] She reviewed the tape of my phone conversation with Alanza, and said that she never said my account would be corrected, but that Alanza only agreed to send my case to the CO, Credit Bureau Dispute Department. She said they have no record of her saying this. I asked her again to review my case and the phone call from 2014. She put me on hold and came back 10 minutes later and said taped phone records that are that old are no longer available. Again, missing information from my previous records. I recently was denied a lease for an apartment because of the late fees from Capital 1.My complaint concerns: a Credit CardDesired Settlement: I would like the Capital One late notices removed from my credit report.

Business

Response:

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

Review: I made a payment for the full amount of my credit card balance. I was shocked to see the next day that two payments were taken from my account instead. They are claiming it was for an automatic payment, however if it was the amount would have been zero because I previously had made a payment for this month. The estimated minimum payment was $0, so I am confused on who authorized this company to take $108 from my account and use it as a credit. leaving me with a credit for $108.

I have other bills to pay and capital one is taking unauthorized random amounts of money from accounts and taking advantage of automatic bill pay.My complaint concerns: a Credit CardDesired Settlement: For my money to be returned but also for their automatic bill pay to be secure.

Business

Response:

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

Review: I have spent two years complaining with several individuals at Capital One regarding three incorrect late payments that they have reported to the credit agencies: Experian, Equifax and Transunion. Capital one agreed to a payment plan in July 2010 which I honored. Unfortunately, Capital One reported the account late for three consecutive months after the agreement and have refused to correct their error. The account balance is zero and no other issues have ever arisen.

Capital One has made multiple excuses regarding the same including: (1) that they never agreed to the agreement, (2) it took three months of payments before they accepted the plan and (3) they no longer have records and cannot confirm. To make matters more difficult, Capital One transferred the account to a third party administrator that doesn't even have records to 2010.

In any case, my credit report still reflects the issue even though Capital One alleges that they do not have any documents concerning the same.Desired Settlement: I am requesting that Capital One remove the alleged late payments from Sept 2010 to July 2010 and place the account in a positive status.

Business

Response:

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

Consumer

Response:

On July 2010, Capital One specifically states in its own letter that it accepted a new agreement. However, they still marked my payments late on July 2010 to September 2010 even though I abided by the agreement.

If the account was previously late, why didn't they mark the payments late prior to July 2010?

The letter contradicts itself. However, thanks for the letter to support the facts for my arbitration demand in JAMS! Best regards, [redacted]

Review: Good Evening, I want to thank you all for you swift response for a complaint I made earlier this week. I need to address anothe complaint that I've been struggling with for the last 5 years or so. I had an account with "Capital One Bank" for quite some time. At the time, I had lost my job and fail to make payments. Now, it's been about 5 years that I've been PAID-OFF and closed this account. Although, I've paid them off and closed the account five years ago, they still refuse to remove all three negatives from my credit report. In deed, this time I made the mistake under unfortunate circumstances but I've payed my dues. [redacted] and I have pleaded with this company for months but they have been unethical and their response hasn't been clear at all to hold this against me for so long. They are not even considering to remove at least 1 negative which I believe at this point their being vindictive. We have written several letters of appeal and still their response has been bogus. I can't see how a company can hold a customer responsible for so long, under what grounds, especially in the late 90"s I had an account with them which turn out to be perfect. I returned to the company in late 07-08 thinking that their business practice was the same, but it wasn't at all. I have a decent credit score which means that I'm not a lousy customer but I would like to get the chance to improve my score for future credit and/or returning to college for assistance in Financial Aid in case I'm in need. Everyone is entitled to make a mistake and later correct the outcome (which I have) Enough is Enough!!!Desired Settlement: It feels like this company is holding some type of grudge against me. I can't see the logic in ruining a customer's credit report for so long after the customer has paid them off. It seems unethical practice on their behalf. I would like for you to at least see what's their unreasonal purpose in this matter. Are they trying to send a message by making an example out of me or what? Your cooperation in this matter is highly appreciative. Thank you, [redacted]

Business

Response:

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

Consumer

Response:

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

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

Regards,

I absolutely do not accept the offer made by the business to resolve this complaint. This complaint hasn't been resolved as you read their statement hasn't even had an offer on their behalf to the consumer. They haven't even stated a legitamate reason for their decision making process to you or the consumer. They haven't even taken any consideration that I previously had an account with their company years ago and did very well in paying off their credit card in the late 1990's before I payed and close this account. Then, Capital One hasn't even stated how much longer are they going to keep those negatives on my credit report. Capital One has some ridiculous policy which is "They don't remove negatives" at least give the consumer a break especially if they did finally payed off and closed both accounts years ago. What kind of business is this, nothing sounds right at all.

Sincerely,

Review: I wrote directly to Capital One to explain my extenuating circumstances in conjunction with Non-Receipt of Billing statements regarding a balance that became past due. After the birth of our second child my wife experienced major post delivery complications with retained placenta which resulted in her having placenta accreta. She was rushed to the emergency room, given two blood transfusions as result of internal bleeding and ultimately had a total hysterectomy. This at the age of 34. she had a hospital stay of 2 weeks as a result of the surgery and then had an internal infection at the surgery site which required an additional stay of one and a half weeks. She ended up in and out of the hospital for a month. At this time I was caring for our 2 week old baby and 2 year old son while my wife was battling for her life in the hospital, through the graces of god she made it through. During this time needless to say I was very dependent upon all my creditors to notify my of payments due via statements which they did other than Capital One as I was trying to keep our finances in order on very little sleep and very little time caring for two young children. I never received a billing statement from Capital One and the bill became over due, I received a call from Capital One regarding the outstanding balance. Once I was made aware of the outstanding balance I paid the balance in full immediately. I have always in 8 years with Capital One paid all of my debts on time and in full other than this aberration as a direct result of my extenuating circumstances and because I was never notified of the itemized bill via a monthly statement. Capital One responeded to my letter on November 30, 2013 stating that in order to pay my bill on time to review my monthly statement for amount due and date. I am attempting to buy a house and these two marks are severly hindering my credit score, I am at a point of desperation as my credit score has dropped 75 pointsDesired Settlement: To have a good will adjustment in your reporting to the three major credit bureaus for my credit file. I have a 30 day and 60 day mark from the months of September and October 2013 respectively

Business

Response:

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

Review: I have been in contact with Capital One for some time now regarding a negative entry on my credit report. The account belongs to me however the balance is paid in full a big misunderstanding on why the payment was never received but to minimize the confusion since it was such a small amount I just paid again, but the account shows derogatory on all 3 credit files. I was advised that upon paying the small balance they would remove the negative entry from my file. Upon immediately paying off the small balance a month later I noticed that the information was still reporting on my credit file. I called into capital one and spoke with a rep that forward me to a supervisor who then advised me that the payment was not made to capital one and that he would have to get in contact with the collection agency who was over it look into it get the calls pulled and return a phone call to me and if the phone recordings did in fact state that the negative information would be removed then he would get it removed for me. Months later no call back no recordings and the item is still listed on my credit report. I am upset with the fact that I was lied to or should I say tricked into making a payment. I am also upset that I was advised that It would be looked into and a call would be returned and still I have yet to hear anything. It was also to my understanding that the payment was being made to Capital One not an outside agency. I was promised an Capital One or whomever the outside agency was did not fulfill their obligation to me.My complaint concerns: a Credit CardDesired Settlement: I would like for this matter to be looked into and resolved as promised to me upon making my payment. I would like for the negative information be removed from all 3 credit files.

Business

Response:

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

Review: I had a credit card with Capital One. I got behind in payments and the balance plus interest, went to collections and from there to a garnishment, judgement Jan 17 2005,. The agreement was to pay all the money owed (including future interest) in payments over two years. We did that.The amount was $11,024.70, we actually paid $11,524.70. Final payment was made in Mar 2007. In 2011 Capital One said we still owed money in the amount of $6481.88, which they adjusted $8708.82 and then finally $10,487.54, and wanted a further garnishment. The judge denied the request and said the original garnishment should have been released as it had been satisfied. Now, we have received another letter from another law firm, requesting $12631.60 owing to Capital One. I contacted Capital One Ombudsman and got a reply simply stating that the file was in collections, and have not responded to my further email. I have spoken to the law firm and they are "checking things out" with Capital One and still have no reply from Capital One. Please help, What can we do? I have pages and pages of documentation regarding this and proof of payment. What I don't have, and have requested, is proof of why I owe and how they get their numbers. Sincerely [redacted] email [redacted]Desired Settlement: call off the hounds close the garnishment file (R20) apologize refund the over payment of $500.00 plus interest repair credit damage pay punitive damages

Business

Response:

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

Review: I was recently approved for a capital one quick silver card but when I tried to enroll the card online I was unable to because capital one said I already have an existing account I was unable to access my account online because I did not remember my old credentials.I have previously opened up a an account with [redacted] in 2010 and I had a capital one platinum card in 2006 both of these accounts were closed out.I could not retrieve the username or password to set up this account.so I contacted the customer service chat I explained to Ally and let me repeat her name Allie the account specialist manager who I spent almost 2 hours online with back-and-forthI explained to her my situation that I did not have a phone at the time and was unable to call to activate the cardI provided her with my Social Security I verified the AA the account number on the back of the card the security code my date of birth but still she would not activate the card for me nor give me the credentials to my old account.she would continue to put me on hold back-and-forth every time I complain to her sheets a hold on the second and would tell me I'm sorry I can't do anything for you and this went back-and-forth for almost 2 hours.I told her that this was something that should've taken only five minutes and this was clearly capital one's fault she proceeded to tell me I needed to call the customer service number but explain to her that I couldn't because my phone was off.I ended up having to use the phone at my employerand.and it took me less than a minute to activate the card over the phone which was something that she should've been able to do for me with the information that I already provided her.but now because there's information that is why I cannot access my account to view my balance to manage the payments see really quite frustrating that capital one with two hours of my day tell me they can't do anythingDesired Settlement: I want capital one to provide me with the credentials to the old account if they cannot do that then I would like capital one to remove all the old information pertaining to the 2006 platinum credit card information they have on file and the [redacted] account so that I can re-register this card to manage the account to make payments you my balance

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 but the point of this complaint was the fact that the lady held me up on the computer for two hours and she kept putting me on holdWhen I was able to gain access to a telephone all I had to do was over the automated system which required the same questions that the lady in chat had asked from me.