Capital One Financial Corporation

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 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.

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 restrictions on my account And I'm being inconvenienced I cannot use my card they are try to make me jump through thier security loops I don't have anytime for I'm highly upset I can't use my own card but you get you payment on time. I feel robbed and taken advantage ofMy complaint concerns: a Credit CardDesired Settlement: I would like my account back to nomal asap and my credit reports updated to how they where suppose to be with my full payment on time without any restrictions to my account

Business

Response:

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

Review: To whom it may concern,

I am a very dissatisfied customer of capital one credit card. I have been dealing with a case to resolve my fraud. I have been given a fraud specialist, Edwardo, whom I have called every month, several times a month since December to clear the fraud case. Edwardo has cleared all of the fees associated with the fraud case although the interest charges and late fees still remain on my credit card. I have asked him over and over for those fees to be removed as those charges were removed with the fraud case and [redacted] case number #[redacted] I have detective [redacted] of the [redacted] police working on this case. The fraud has been cleared but not the late fees or the interest charges. This is why for now six months I have been leaving messages for Edwardo to clear the fees. I leave him messages to ask for a return call back, yet haven't received one for over two months. I call the 1-800-capital one number and they say he is still working on the case. Yet, my credit is being affected and Edwardo and/or capital one isn't communicating with me what's going on with the remaining balance. I have gotten an email that my credit score increased due to zero late payments, but yet on the capital one website it says I have now 5 late payments although under ALL months the fraudulent case is still being investigated per the [redacted] service line calls. I have gotten no communication or understanding why there is over $1700 balance of late fees from a fraudulent case.My complaint concerns: a Credit CardDesired Settlement: I have been asking for all remaining balances to become zero. All of the current fees are interest charges from money advances that was cleared by Edwardo from Capitoline that he declared fraudulent after looking into my case. I also need Capitoline to send information for ZERO late payments to the credit bureaus so that my credit isn't being affected by this awful credit card company that isn't communicating with me. I want a call back to explain what is going on and why I have had to wait now 6 months for this to get resolved. I tried to be patient and call and give capital one time to look into the situation, but now I am beyond angry and not understanding what is going on. Please help!!!

Business

Response:

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

Review: I started having a problem about a month ago, I was told I needed to send in my bank statement, social, and drivers license. I was told this was because of some fraud mess. It was aggravating to say the least. I fax these items over, and got a fax confirmation. Then I mailed the same documents to the address the representative gave to me. The next week my card showed up in the mail. Since Thursday I have been though so much crap trying to activate my card ending inI started having a problem about a month ago, I was told I needed to send in my bank statement, social, and drivers license. I was told this was because of some fraud mess. It was aggravating to say the least. I fax these items over, and got a fax confirmation. Then I mailed the same documents to the address the representative gave to me. After that horrible ordeal my card shows up finally.

I was told and promised by a manager that, the fraud security situation, was over and I would not have to go though it again. But that was a lie. Since Thursday I have been though so much crap trying to activate my card ending in [redacted]. I have called 6 times now and been told something different each and every time. I hate your company, you do not serve the customer! I was told on 6/30/16 that there has been fraud on my account. Yet Is was never given any transaction, no amount, no date nothing. No details, all I have is you bow guarding me from my accounts. This doesn't make any sense.

So on the day above I was sent a link, and told to send the documents for a 3rd time now. Which I have done, to verify my info. I have done this, but they say it's not good enough, I have verified everything you have asked me for, and given what you have asked. Then I'm told send more information, which I did via the link for a 4th time. Today is Tuesday, I was promised my card would be activated within 72 hours, it has been well over 72 hours and still not a working card. This angers me, that each time I call, I am asked for more infoMy complaint concerns: a Credit CardDesired Settlement: Then I'm told send more information, which I did via the link for a 4th time. I was told by 3 reps that you didn't get the fax, nor the snail mail with my documents, that have my vital information in them. I was actually told by one rep that I sent documents to someone else and not Capital One, making it appear that I was crazy when I had sent these documents to you 800 facts and the address the other representative gave.

Today is Tuesday, I was promised my card would be activated within 72 hours, it has been well over 72 hours and still not a working card. This angers me, that each time I call, I am asked for more and different information then the first time. All you do is lie, remove this damn fraud freeze from my accounts today or face a law suit. I tired of the games. I will not send anymore documents. Clear this up right away.

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.

An apology does not make up for all the bs and time. It's like the company has intentionally hired a lot of is that can't resolve a thing! How can this fraud mess just appear out of thin air? You don't even have an explanation for it. On top of this as a result of the games you have played I won't get my full 9 months of 0% interest. This needs to be altered without anymore excuses. I just activated my card. I'm highly upset and disgusted. You need destroy my personal documents I sent in, as they have sensitive information on them.

Regards,

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.

An apology does not make up for all the bs and time. It's like the company has intentionally hired a lot of is that can't resolve a thing! How can this fraud mess just appear out of thin air? You don't even have an explanation for it. On top of this as a result of the games you have played I won't get my full 9 months of 0% interest. This needs to be altered without anymore excuses. I just activated my card. I'm highly upset and disgusted. You need destroy my personal documents I sent in, as they have sensitive information on them.

Regards,

Like most folks, I leave reviews for a company when they make my life a lot more miserable and I feel like they aren't doing enough to fix the issues that they caused. On the other hand, when a company goes above and beyond and I am amazed by their actions, I like to share that with others. I've been with Capital One(Credit Card) for 6-10 months and they have been wonderful. They're easy to get a hold off, there banking app is fantastic and they have helped me make my life a lot more manageable. Thank you Capital One!

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: I received a call today from my mother saying she received a call from Capital one collections about an outstanding balance of approximately 311.00 on a bank account. I was immediately concerned and called. I first talked to customer service who transferred me to collections. They advised me that a checking account in my name was closed when payments stopped against a revolving line of credit attached to the checking account. At this time, I was complete,y unaware that this account was even still open. I was shocked since I have not received any communication regarding this account in over 2 years. I was then transferred to banking to see if there was any way they could bring the balance down the the original overdraft from 2 years ago, before the revolving line of credit was continuously charged from an empty bank account. The agent then tried to speak to several other departments to see if anything could be done. I asked to speak to a manager, and she directed me, yet again, to another department. This gentleman was absolutely the worst representative I have ever encountered. He was rude and very condescending in his tone. At one point, he accused me of saying I was refusing to pay any amount at all. I corrected him and said I did not appreciated the accusation. I do not think I should have to pay the entire balance due to the fact that they should have stopped charging the account when it was empty, and just sent me a bill for the overdraft. As a bank, why would you continue to charge an account with little to no money in it, causing the overdraft credit to continue to transfer money into said checking account, only to make the owed balance higher!!! I am completely willing to pay the original overdraft fee, but I feel I should not have to pay all the other accrued charges for 2 years after. Capital one is a multi million dollar corporation, do you really feel the need to gouge a military family for 300.00 that shouldn't even be a charge? I will definitely be leaving a note for the military community out here in Colorado to avoid capital one financial.Complaint concerns: a Banking Account (Checking)Desired Settlement: I request to only pay the original overdraft fees for the transaction I am responsible for. It was over 2 years ago, and I will pay fof it. I do not think we should have to pay over 300.00 from the 2 years of accrual.

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 attempted to pay a loan payment that is due on the 13th of the month, I received a call from [redacted] on the 24th stating the payment was not paid. I had to go through [redacted] and make the payment that was not received . There is a late fee on the account as of the 20th that [redacted] bank will not waive fee and Capital One will not refund the fee for the payment they made LATE. Late Fee is $42.73 and Capital One needs to cover it since they did not get it to them on time.Complaint concerns: an Auto LoanDesired Settlement: Pay [redacted] Bank the late fee that was assessed that [redacted] Bank will not Waive..

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]. I am still not satisfied that I had to reach out to the Revdex.com in order to get this resolved. Capital One 360 should have been able to resolve this without having to escalate it to you all. I am disappointed that I had to go through the extra effort in order to get this resolved. Needless to say, it has been resolved.

Regards,

Review: I called Capital One - no one can help me. I became a member in March 2014. I requested the call strictly because of the commercials - no black-out dates for flying, no specific airline (the commercials had Alex Baldwin and now Jennifer Garner). I called Capital One and asked for that card SPECIFICALLY. I wanted it strictly for the miles. They asked even what I wanted to appear on the card, and I said a tropical beach, because that's my goal. And, I used the card . Now, I just tried to redeem my miles and was told that the card was not one where I can redeem my miles. I feel that it was pure fraud. Bait and switch. They will not give me anything for my existing miles which are in the thousands.My complaint concerns: a Credit CardDesired Settlement: I want Capital One to honor the miles that I was promised when I first joined. If not the miles, than I want money $400+ in order to book a flight from Providence to Newport News, Virginia, in October. I feel I was totally ripped off.

Business

Response:

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

Consumer

Response:

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

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

Regards,

Review: I was 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.

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: . There has been several major discrepancies with Capital One . Recently my card was refunded 1369 by [redacted] and [redacted]. I called Capital One and was advised that the money was available for purchase. The following day I attempted to re purchase the item from [redacted] for 1369 but there were insufficient funds. A capital One representative advised me that I only had $500 available for purchase. I asked how was this possible, I was transferred from representative to representative who just listed various small amount transactions starting in August. They could not tell me why the 1369 was available on 11/6 and not available by 11/7. Finally a representative advised me that $800 was applied to the card balance, which I disputed because my minimum payment was only $200 dollars which I paid on time. The representative also listed purchases that were returned for insufficient funds stemming from another incident. I explained to her that these items were never charged and I never received them. To add to this confusion Capital One has been transferring available funds from one credit card account to another without consent or notification. I would like my funds returned and some clarity on what has been occurringDesired Settlement: I would like my funds returned and some clarity on what has been occurring.

Business

Response:

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

Review: I used my Capitalone Credit Card as a payment to [redacted] for my family in [redacted] to receive. Unbeknown to me, I realize that "cash interest charges will incurred" since I am being charged also $10.00 for each "cash advance transaction." I am requesting or pleading that Capitalone reconsiders and cancels the "cash interest charges" that are incurring daily since I was not made aware of. I plead that this be reconsidered, thank you very sincerely.Desired Settlement: To please "Overturned" the "Cash Interest Charges" on my account, as it was unknown to me that I will incur cash interest charges. Thank you.

Business

Response:

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

Review: I got a letter from CapitalOne on December 12th stating that I didn't send in November payment, when in fact I did and on time. My bank show me that the check cleared on November 12th, my payment is do on the 14th, so it was on time, and someone cash it on the 12th. I call CapitalOne to get this clear up, I gave them the info that my bank gave me, and now I'm thinking all is well. Now I get another call on Sunday night about 8:00 or 8:30pm,(December 29, 2013) about me sending in a payment, I was shock!!! Now they want me to send them my bank info,( Oh God please help me not to cuss ) Now the way people are stealing from people account, and you want me to send you my bank info, and I can't trust you to apply my payment. I need some HELPDesired Settlement: I want this matter taken care of and apology

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 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: 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 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]