Capital One Financial Corporation

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: Absolutely terrible. Capital One screwed up, lied to me and tried to blame it on my financial institution. I have an auto loan through Capital One and am enrolled in DirectPay to debit a sum of money out of my separate bank account weekly. On November 3rd, Capital One took out my weekly payment and ceased all following debits. 2 months later, they slap me with a late fee, accrued payments and only 3 DAYS to spare before reporting me to the Credit Bureau. There was no authorization on my part whatsoever to cease my weekly payments, and there was absolutely no communication for 60 whole days that they had been stopped. Capital One claimed that they tried to withdraw the money, but my financial institution ceased the withdrawals due to insufficient funds, in order to keep from charging me an overdraft fee. This is impossible, because there are plenty sufficient funds in my account, and no such activity showed up on my bank statements. For whatever reason, Capital One screwed up their Direct Pay, didn't admit to it, wrongfully blamed my bank and punished me with late fees, accrued debt and almost completely screwed me over by reporting all this to the Credit Bureau. Infuriating. Even the supervisors at Capital One couldn't give me any credit or reason to stay, so I'm in the process of transfering my balance to a credit union. I will also discontinued my Capital One merchant service account and plan to transfer my Capital One credit card balance to a different institution as soon as possible. Capital One had me as a customer of 3 different businesses under their umbrella and have now lost me forever.

Product_Or_Service: Auto Financing

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I would like to be excused of the two months payment and interest accrued for December 2014 and January 2015. I would have paid exactly $800.08 had my payments continued as scheduled and as the DirectPay system has failed those payments, I don't see any reason why I am responsible for making up for that interest and paying this large sum of money all at once. I debit weekly so that I don't have to worry about these things. Your system failed me, now fix it.

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 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 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 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 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 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 was promised the right to enroll in a third party debt management program in June by Capital One. We are now in November and they have still not allowed me to enroll in the program. As a result I have incurred hundreds of dollars in interest at a interest rate of 29%.Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like them to allow me to enroll in the third party debt management program with MMI as they agreed to.

Business

Response:

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

Review: I was approved for a secured card with capitol one. I made my deposit and was later told that I paid to late and a refund check was being processed. After a month passed still no refund check I called daily speaking to numerous reps about my check. Several dates were given of when I could expect my check, but it never came. Then I was told the application wasn't approved, then I was told the check was on its way, then I called corporate office only to be transferred hundreds of times. Finally when I called today a rep said it had never been processed. I just want my money before I be pushed to take legal actions

Product_Or_Service: secured cardDesired Settlement: DesiredSettlementID: Refund

I want my refund processed immediately and to speak with a supervisor in the check processing dept

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 contacted Capital One on October 7th 2013 and requested that they close my account. They indicated that they would do so and I have received a statement both Nov. and Dec. with the monthly $14.95 charge still being charged to my still open account. All I want is to CLOSE MY ACCOUNT with then as of October 7th 2013 as originally agreed. I attempted to clear this matter up myself again today, Dec. 6th, 2013 and was kicked off twice without the problem being resolved. I WILL NOT pay for Nov. or Dec. and expect them to ensure that this WILL NOT affect my credit!!!Desired Settlement: Cancel my Credit Card, with NO BALANCE DUE AND OWING, with my credit in tact and not affected by their negligence

Business

Response:

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

Review: I entered into a repayment program with this company January 20, agreeing to repay a specific amount within 90 days. I have made two payments and need a 10 day extension to make the third, also well within the 90-day period and they refuse the 10-day extension, which is ridiculous!!Desired Settlement: I want them to extend my final payment to March 31. That is all.

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,

Review: On March 2, 2014 I applied for a credit card wtih Capital One and was approved for a secured card. I called them back on March 6,2014 to confirm the amount needed to secure the card. I was informed the cost was $75. On March 7, 2014 I sent the money through online banking. On March 12, 2014 I called to confirm that yes, they had finally received my $75 and my card had been mailed out that day. Fearing that what I had been told was not correct, I called customer service back on March 13, 2014. They informed me that no, my card was not being sent out, it was a letter of verification of address to take to the post office, fill out and return to them. Once they had received that letter back, THEN they would mail me out my card. I was so frustrated that I demanded they close my account. However, I then decided, if I could speak to a manager to have everything sped up, then I wouldn't close my account. I had a customer service rep call my cell phone while at work, so I could not answer it right away. I called them right back, and after a half hour phone call of me telling them that NO, I did NOT want to close my account, he went to his supervisor and they refunded me the money, which I wont see for 60 days according to what I was told. I was FURIOUS!!!!! I am disgusted with their customer service as every representative that I spoke with, did NOT know what they were talking about as I was told something completely different by each representative. I want to be a customer of Capital One as it is the only credit card company/bank that will give me a credit card with my crummy credit. I need to build my credit back up, but this will not help me, if they continue to be complete mns!!!Desired Settlement: What I want, is for Capital One to give me the credit card that they were planning on giving to me, with a higher credit limit, and mail it out to me within the next week!!!!! I need this card to be able to run my business!

Business

Response:

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

Review: When I requested a Capital One Credit Card in approx. October/November of 2012, I was advised I had to provide a $75.00 deposit or I would not be approved. I contacted Capital One and provided the payment. I contacted Capital One a few months ago and requested the deposit be returned as I want to cancel the credit card and they advised they have no record of the payment.Complaint concerns: a Credit CardDesired Settlement: I want my deposit refunded as a check immediatly.

Business

Response:

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

Review: I was behind on my car payment. I tried to do the hardship program the checks that I gave the lady that was handling my case I think her name was [redacted] maybe said that gross wise I didn't not meet the criteria. She said that I was not close enough to the $1,500. I was about $15 short. She would not look at anything else and would not work with me. I explained to her that lowering my payment I can do, but I can't do the $[redacted]. So then the took the car out of heart ship I paid $[redacted] so that I can have some more time to take care of the car from being repossessed. I talked to a nice gental man that told me to try again and that I should be able to get excepted for for $15 dollars short. That was on 1/23/2015. When my car is about to get taken they usually call about 8 times aday and leave about 4 voice mails aday. The week of the 26th of January they called all three days supposedly, but did not leave any voices mails, but would call 8 times a day. They said that they do not have to leave a voice mail and that if I seen a number call 8 times that I should have called it back. I then proceeded to say if someone called your phone and you didn't reconize the number you mean to tell me that you are going to go out of your way to call them back if there are not voice mails. I told them if they would have let a voice mail like they normally do any other time I would have called back.

They took my car and all I needed to give them was about 70 dollars from them coming to tow my car. Then no one ever told me my options that day they just told me that I needed to pay all the money up from. They never offered me any other options that day. So I went to get my car and I got it paid up to date and they told me becasue I was current that they could no longer help me. I asked to talk to a hire up manager to file a complaint got hung up on 3 times and never got to talk to a supervisor. So I am here. Now I am told that I am not longer able to be helped that I need to be behind to get help which is rediculous I was trying to get help and kept getting the run aroundl. I would like for someone to review my hardship application that I put in because I enough income wise but was told I didn't the checks where suppose to be gross which like I said was 15 dollars short.Complaint concerns: an Auto LoanDesired Settlement: I would like them to look at my hard ship and if I was able to make my payments maybe I would not be behind I lost my job and no one worked with me got it paid up to get my car out and they still will not work with me to lower my payment they tell me I have to be behind to gert help

Business

Response:

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

Review: I called customer service In December 2014 and reported my card stolen. I was told they would be sending me a new card which they did. A merchant has been abusing the charges going to my card and have the same stolen card number I reported. January 5 I see them charging the stolen card again. I called and advised that they cant allow charges to hit the account when the card is inactive, I was then told that it would be the last one the merchant had already authorized the charge before I reported the card stolen. I call January 20, 2015 speak to a manager advised I want to CLOSE both my checking and savings with them. He does this and I receive a check for the money left in my account. February 5, 2015 charges hit the CLOSED account again making me negative. I call Feb 6 speak to another manager advised the accounts are closed what's going on, She says the merchant authorized the charge. I advised her that the account is closed it doesn't matter what they did. I said if I let this go and end up being negative hundreds of dollars you guys come after me, so what's the point of closing account and reporting a card stolen if you let charges hit the account. I've called more that 2x regarding this. I'm thinking I need to get a lawyer.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want the negative reversed like I was told it would be and my accounts CLOSED

Business

Response:

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

Review: I closed my secured card with them today and the representative said that refunds take two billing cycles. I was unable to find any information on the website under FAQs regarding this. Two months is an awfully ridiculous amount of time to refund money, considering electronic transfers, or the fact that it is not 1945. I asked that it be processed more rapidly and the representative just said I could try to call back in ten business days to make the request, but that he wasn't sure it would be honored.My complaint concerns: a Credit CardDesired Settlement: There was no balance owing on the account. It seems reasonable to have the refund processed timely. A week should be plenty of time.

Business

Response:

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

Review: I have spoken to several customer services reps about my several attempts to do credit card combination. Initially I was not qualified because I did not meet the criteria listed. I fought really hard to meet the criteria and still to no avail, am not eligible. The Reason state:

Account Combination

No Cards Eligible

Sorry! None of your cards are currently eligible for an account combination.

There are several reasons why a card may not be eligible, here are the main ones:

•Card accounts must be in good standing

•Card accounts must be open for at least 6 months

•One card account must have a $0 balance and no pending transactions

•Card accounts must be linked in your online banking profile

According to the reasons listed above I more than qualify; however, it also sate "several reasons why a card may not be eligible, here are the main one". After speaking to the reps from capital one, there still is no resolution, my accounts still do not qualify even though I meet all the requirements listed above, and till this day I cannot nor can Capital One's representatives (over the phone or on chat) tell me, let alone find the remaining reason/requirements.

I feel all the requirements should be listed as this is false leading.My complaint concerns: a Credit CardDesired Settlement: I would like for my cards to be combined according to the listed reasons/requirements that came up on the website after applying several times, and Capital One correct the website so all the requirements are listed, not just the "main ones."

Business

Response:

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

Consumer

Response:

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

Review: In the month of September 10, 2015 I owed a Balance of $329.52. The balance was paid and my credit limit was restored to $300. To my knowledge that meant the payment was cleared, so I proceeded to use my card and to my surprise I was unaware that my Employer changed the direct Deposit system from ECI to ADP without employee being notified thus making payment returned and now Owing a balance of $639.00.. If you would've froze the account until funds were retrieved I would have never used it and would have understood that it was being held until further notice until payment was complete but Capital didn't. Now I am having issues paying this and this is dragging my credit score down. I would like to have this account resolved especially for something I never intended to happen. I feel as a consumer I shouldn't have to deal with this. I don't have an issue with paying the bill, I will not pay a overage for something capital can clearly stop from happening. If the payment isn't cleared don't put up that the account credit limit is available to use. furthermore I am contemplating on cancelling this card if this doesn't get resolved. Thank youMy complaint concerns: a Credit CardDesired Settlement: Requesting Overage to be removed and leave due balance at $300

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.No help was given several people misrepresented Capital One... Furthermore if you guys can't do anything in regards to fees please remove the late payment history from my credit as, I as told this by Nicole from Executive office and another Capital one employee promised when I was credit late fees.

Regards,

Review: I signed up for and got a Capital One Venture one credit card after using [redacted] for years where I have a $30,000 credit limit. I charge from $2,000 to $4,000 per month but have used the card for aver $20,000 before. Since 1991 I have always paid it off monthly. Capital one offered a card with no foreign Transition fees so I got the card last year as I will be out of the country three times in the first three months of 2016. I am in Belgium right now with my wife in five weeks of training. I was assured by Capital one that I would have not problems using my card. All conversations are on their recorded line with will be subpoena if needed and you may have access to in your investigation of this sorry banking company. My first day in county I went to purchase train tickets to get to training - my transaction was deigned. I have very poor internet and have had to at great cost to me called capital one many times. I have emailed there customer service and heard nothing from them. I have asked for a supervisor and they have put me on hold 27 minutes before hanging up on me. I have talked to many reps and found most rude and non caring. I was told they need to verify who I was even though that was done before I left the states. I was told they would send me a confidential Email, which was not do. I had to call back. They sent it and I sent them my passport and driver license for both my wife and I. They continue not to reactivate my card and last person I talked to she stated they would not. I have no way to show bills and mail received at my home address. I have had my supervisor talked to a supervisor verifying who I am. We are stuck with no card. This was all verified before we left January 4. I have suffered much hardship because of this companies lies and inability to conduct business. All this can be verified by their own typing of my calls. Each time you call you get a different answer. I hope you can help.My complaint concerns: a Credit CardDesired Settlement: Turn my card back on or I will have to seek damages. Please get someone to help us. We are stuck without this card. Thanks. John

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,

I do not think Capital One understands the damage they cause us when they lied to us about the readiness of our card to work outside the US. We were hurt bad by them placing us in a real bind for the five weeks. I am asking for this person to call me. Thanks again.