Capital One Financial Corporation

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 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 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.

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 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 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: . 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: 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 was charged 7 dollars to cash a check from capital one and drawn on capital one , what is this , charging for a check drawn on their account , no I am not a member but did go to cash at the bank it was drawn on, was only told that's the way it isMy complaint concerns: a Banking Account (Checking)

Business

Response:

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

Consumer

Response:

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

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

Regards,

Review: 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: 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: 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 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 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 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.

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: 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 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: 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 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.