Capital One Financial Corporation

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: Capital One customer credit card department set extra hurdle particularly for me by asking me faxing over my social security card, driver license, W-2 form and paycheck stub for only my credit card activation -- the credit card application has been approved and the card has been mailed to my home address, and yet they asked those confidential documents when I called to activate the card. Plus I have both saving and checking accounts with the bank. They have all my personal information already.Desired Settlement: Explain the reason why they refuse my credit card activation when the application has been approved and card has been mailed to me.

If no solid explanation, activate my credit card!

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 went through the process of opting out of pre-approved credit offers and removed my name and address from the junk mailing list over six months ago. Capital One is the only company that continually sends credit offers. I've called Capital One directly to remove myself from their mailing list, yet I receive 6-7 mailing a month from their company.My complaint concerns: OtherDesired Settlement: Permanently remove my name and address from the Capital One mailing list

Business

Response:

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

Review: Capital one is charging an annual fee on my account. I specifically chose this account with a high interest rate because it has no annual fee. I never agreed to an annual fee. Capital one is attempting to steal from their customers. If I was not as diligent they would have stolen from me too.Desired Settlement: I would like some sort of confirmation that this practice is no longer in effect and all funds have been refunded to all parties who were charged by capital one falsely. Being compensated for my time that I had to spend on the phone with customer service to have funds refunded to my account which were falsely charged by this company.

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

My account was restricted and I had requested them to close my account but capital one did not close my account and applied annual fee to the account which I was not aware ofl. The account went past due for 2 months in june and july and is till being reported to the bureau as late.

I kindly request Revdex.com to let capital one correct my account reflected on the my credit report as never late or removed from my file entirely.

ThanksDesired Settlement: I want capital one to remove late payment history from the credit reports.

Business

Response:

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

Review: The online app automatically choose to take out a payment that wasn't authorized to be taken out. Support techs refused to fix the problem and cancel payment and supervisors also refused to fix or reverse charges claiming that they don't have any way to fix problem costing the account in over $200 in fees and charges. Very upset and took out of an account the wrong amounts that were given infact. Very in professional and supervisors didn't even know how to answer questions.Desired Settlement: Refund to bank account imeadiately and fix online application

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 appeared]

As stated in your letter you said that the online application referred back to account that want supposed to be taken from. I w would suggest that to better serve your customers you fix problem. I stopped payment on the 40 but initially it was on the apps side. Also suggestions for Capital one call center employees have more training or better communication as employee A doesn't know anything and when the information is Given to employee b employee A never put information in.

Regards,

Review: Around the end of April, I cant remember the exact date I went to Blue Moon Massage Spa. The very first thing that I told them was to have a hot-stone massage as their advertisment. They agreed, but made me pay first. So, I paid them $40 plus $5 tip for a total of 30 minutes for $45 hot-stone massage. ONE THING ABOUT THEM: THEY SEEMED NOT TO UNDERSTAND ENGLISH VERY WELL AND SEEMED LIKE THERE WAS A LANGUAGE BARRIER.

But during the massage, they did not do hot-stone.

At the end of the massage, I complained that they did not do hot-stone massage. They said they would refund or credit my money back, but because they had another customer. So, they rushed me out the door. Again, they appeared not to understand English.

A few days later, on April 25th, I saw a transaction posted on my Capital One Credit Card from them. So, I called Capital One to dispute this transaction just because Blue Moon Massage Spa did not do hot stone for me like they advertised. So, Capital One credited me back $45.

Then I saw a transaction-rebill for $45 on my Capital One online banking. I called them and said that the reason why I disputed this transaction was because I did not get the hot-stone massage as Blue Moon Massage advertised, also Blue Moon Massage agreed to refund me back $45 verbally.

Capital One specifically says on their website that if I did not get the service as advertised, I have the right to dispute the transaction. I did, but Capital One rebilled me $45 for that.My complaint concerns: a Credit CardDesired Settlement: I want one f the two following solutions:

1) Either Capital One credit me back $45 as they say on their website that if I did not get the service as advertised, I have the right to dispute the transaction to get the credit back.

or

2> Blue Moon Massage Spa refunded me back $45 because they did not do hot stone massage as their advertisement.

Business

Response:

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

Review: To Whom It May Concern:

This letter is being sent to you in response to a notice/summons sent to me on 18 February 2016, and received by me on 14 April 2016 from the above agencies. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692h Sec. 809 and 1692g Sec. 808 (that your claim is disputed for validation and accuracy is requested and threatening actions of unfair practices is ceased and desist).

This is NOT a request for “verification” or proof of my mailing address, but a request for “VALIDATION” made pursuant to the above named Title and Section and request of Unfair Threatening Practices/Actions to cease. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to “pay” you.

Please provide me with the following:

1. What money’s you say I owe—is for.

2. Explain and show me how you calculated what you say I owe

3. Provided me with copies of any papers that show “I” ([redacted]) agreed to pay what you say I owe.

4. Provide a verification or copy of any judgment if applicable.

5. Identify the original creditor.

6. Show me that you are licensed to collect in my state.

7. Provide me with your license numbers and registered agent.

8. Provide me account number not my social security number and all required account documents.

At this time I will also inform you that if “ANY” office, affiliates or third party associates of your offices have reported invalidated information to “ANY” of the 3 major Credit Bureau’s ([redacted], [redacted] or [redacted]) this action may constitute fraud under both Federal and State laws.

[redacted] Case Number# [redacted]My complaint concerns: OtherDesired Settlement: If your offices or affiliates fail to respond to this verification request within 30 days from the date of your receipt, “ALL” references to this account must be deleted and completely removed from my credit file and all 3 major Credit Bureau’s ([redacted], [redacted] or [redacted]) and a copy of such deletion request shall be sent to me immediately.

I would also like to request in writing that neither your offices nor affiliates make any telephone contact to my home or to my place of employment. If your offices or affiliates attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by [redacted].

Business

Response:

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

Review: I am a Capital One 360 Checking and Savings Customer - for almost two weeks I have been locked out of using the iphone App for managing my Capital One 360 Accounts. As of today I have been locked out of ONLINE BANKING in its entirety - meaning I am 100% unable to access my accounts as 360 is a type of account that operates solely via the website. I have made several phone calls to the 800 customer service number. No one ever returns my calls with a solution or even update to the issue as the representatives claim they will. The latest notes I was read on my open technical issue ticket are just that the technical department is aware that some customers are having this glitch with login to the website and app due to the change over from using a pin number to a alphanumeric password - "NO WORK AROUND IS AVAILABLE AT THIS TIME AND THERE IS NOT TIME FRAME FOR A SOLUTION AT THIS TIME."

This is the only information I am being offered. I have no access to either my checking or saving accounts whatsoever and there are no solutions being offered. This is unconscionable and absolutely unacceptable. I am speeches that this is considered an acceptable response - I cannot even close my account easily because there are pending transactions open! Capital One couldn't even offer me an immediate wire transfer to an alter banking institution so I could have access to funds! They simple stated - "yes the time for transfers is at least 2 business days"?! This is so deplorable and such terrible business practice it seems totally illegal to me to withhold ALL banking access with NO solution date and no temporary fix!My complaint concerns: a Banking Account (Checking)Desired Settlement: I want an sense of urgency and a specific date of return of full services! Additional I want an IMMEDIATE wire transfer of my current funds to an alternate banking institution (AND THE FEE FOR THIS WAIVED!). A resolution to this MAJOR issue! And some kind of credit or compensation for this MAJOR inconvenience! In addition what guarantee do I have that once my account access is restored that my account balances won't read ZERO?!

Capital One 360's biggest add campaign is "24/7 Access to your Accounts" way to lock your customers out of their accounts ENTIRELY!

Business

Response:

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

Review: CapitalOne has no branches in my state, FL, so I contacted customer service about how to deposit a large settlement check and was given only one option, to mail it. The rep said the funds would be available at the end of the business day that the check was received. I had another conversation with a different rep who said the same thing. Both reps knew the amount was larger than was able to be deposited via photo and app. The app max is $5k. The bank after receiving the check made $10k available, as was shown in both my app on my [redacted] and in my online account. I proceeded to spend money, schedule payments for other accounts and take out cash based on this. The next day, today, 4/27/16, mid day I received an email to say that the funds would not be available for another 2 weeks, or May 3rd. I have screenshots that show the balance WAS AVAILABLE. I then spend an hour on the phone with both security and the Capital One "captain" Josh to no avail regarding the funds. They were unhelpful in resolving my issue, and the absurdity that a bank would clear the funds, one day, and remove them the next has got to be illegal! I've never been so abused my own bank (except of course Chank Bank).My complaint concerns: a Banking Account (Checking)Desired Settlement: I would like documentation to prove that the "remitter" is denying the funds; and I requested this and was told to see Capital One's terms and conditions online. I was also told there is nothing I can do to help speed up the process. The bank is unwilling to even release a portion of the funds to me, so that my account is not in a negative status. I want swift action on the part of my bank in helping to release the funds SOONER than 2 weeks time. None of the reps I spoke with warned me that this was a possibility! To get an email the day after the funds show up as available in my account is also abusive to me. I would appreciate an apology for the blundering banking that I have witnessed. I will be closing my account as soon as I have access to my money.

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 phone call yesterday on2/11/14 from a man claiming to work for capital one. He stated that he was doing an investigation through a branch and needed to verify information. He then asked me if I withdrew $420.00 from a branch on jan.20.2014. I checked through my receipts and found out that I did indeed make that withdraw. He then said that he will need to take the funds as soon as possible. I asked him if he could process the payment on 2/14/14 because the funds were unavailable at the time. He then proceeded to tell me that I had $900.00 in my bank account. Without even checking for my permission to enter my account, and without verifying my identity. He never asked me my date of birth nor social to verify if I was indeed that person just my name. With all the fraud going on I would think that he would want to verify more information before deciding to enter my account or even tell how much I had in my account. I then told him that if used all the money in my account towards online bills and that money were pending. He then told me there was nothing that he can do. Every time I make any major changes to my account I always check my account and the money withdraw was pending on 1/20/14.Desired Settlement: I would like a sincere apology for the actions taken yesterday 2/11/14 I have been a very loyal customer for many many years before the bank was even called capital one and was still owned by [redacted]. I have been patient when it came to the fees. Which I was also wrongfully told about and I have succumbed every change they have ever made. And for me to ask for a payment that was there mistake to begin with to be held off for a few more days and not be taken out at that time and be denied for that is very wrong. I had to take the chance of paying multiple fees for my payment being returned and capital one showed no type of remorse for once again there mistake. It should have not taken those 22 days to realize that I was given money wrongfully. I am a very honest person and would have told them if I found out the mistake sooner. But when I saw the pending payment was gone I assumed they took there money. All I would like to happen is for them take the money on 2/14/14 to ensure that my other bills would be paid.. It is very unfair to be treated poorly when I am a very loyal customer. I will also like to receive a sincere apology from all involved in this incident. I am not sure the status of the teller who took my withdraw at the bank but that is irresponsible and unprofessional on so many levels.

Business

Response:

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

Review: This company is reporting my account as charged off as bad debt when I specifically agreed to the settlement because they said they were not going to report it as charged off as bad debt. They were going to report it as paid. When I was experiencing financial hardship I started defaulting in this account because I was advised by Capital One to do that in order to help me for a payment plan because supposedly they couldn't provide me with a payment plan if the account was current. Then they didn't want to offer me with a payment plan once I had defaulted!!! Then there were may other irregularities, They gave me wrong information about when the account was going to charge off. They sold my account to a collection agency, then they recall it, when I contacted their executive I specifically told them that I would be accepting this settlement if they don't report the account as charged off as bad debt since this is what I was originally offered, please listen to the call that I had with the representative many times, I was VERY clear about this, and they said that they were going to comply to my request. Everything should be recorded. Also, the executive office sent me letters asking me to call them but they didn't include a phone number, then they gave me a number to call that they couldn't help to make the payments and I was then told that I had to call their office to be transfered everytime to make payments. All this wrong information has been given to me in writing and over the phone and should be document and there must be records of this.Desired Settlement: I want the way this account is reported to be corrected. Considering all the wrong information that they have given me over the phone and in writing I want this account to be deleted from my credit line. I started defaulting because they advised me to do it! my account charged off because they refused to help me with a payment plan, my account charged off because of the wrong information they gave me, and now this account is reporting as charged off as bad debt when they specifically agreed to this settlement and to report the account as paid( NOT CHARGED OFF). This account should not reflect a balance of $4,426 either, I ALSO asked them about that and they once again that the account will show as PAID. If they don't want to comply with my request I want all the information that I am requesting in writing: All letters that they have received from me for the last 3 years, all letters that they have sent me for the last 3 years. I want copies of all written communication we've had for the last 3 years. You will see the wrong information that I was provided in writing(including emails). I also want the calls that I have had with your representatives reviewed because it is unacceptable that they continue to provide wrong information to customers, which affects us. It seems this business did not act in good faith by providing me wrong information repeatedly. Please listen to the calls that I had with the representative that offer me this settlement, review the letters and emails they sent. This is not right! In an effort to act in good faith and own up for the misinformation they have repeatedly given me they should delete this account from my credit line. I don't know if this company has customer advocates... but if they don't they NEED IT.. because in my case I have been affected by the wrong information they have given me. I don't want this account to show in my credit report. They continue to affect my credit and provide me with wrong information

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.

They have not listened to the conversations I had with [redacted] who told me that this would not reflect as charged off. This is the reason why I accepted the offer. They should follow up on what they offer and not disclose partial information so that the customer accepts the offer. This is not right.. they should listen to the conversations I had with her... She told me that, otherwise I would not have accepted it.

Regards,

Review: I received a call from Capital One rep around the beginning of December 2013. This rep was calling about my application I applied for online. This rep said she was from Capital One and was not providing me with her contact information. I assumed it was legitimate. She asked many private questions about my identity and address,ect. She then said my application was approved. This woman said my card would be mailed within days. Weeks later, I received no card nor letter in the mail; which is customary. I called Captial One and spoke to reps whom sounded all from some foreign nation and not one would let me speak to a manager. I informed them that I was concerned about identity theft attempt by some stranger which is definitely possible, especially since I received no card. The reps on the phone said that "I must be confused about this." I restated that I am calling to ensure someone at Capital One called me, however; these reps would not confirm that 'anyone' called me at all. In fact, they would not acknowledge that my issue was legitimate nor do any research about 'who' called me weeks prior (if anyone from Capital One.) They kept repeating that they checked my application online and said it had not processed and that they "needed my address." I asked them 'why' they needed my address when it was provided on the application and to the rep whom I spoke to on the phone weeks ago. This new rep would not answer any of the questions at all. So, at this point, I still don't know if the call was 'legitimate' or not. I need a supervisor at Capital One to research whom and why I was called in early December and why they approved me over the phone. Also, since approved, why have they not sent a card nor any documentation? I have never had a credit card company do something like this and it is very 'unprofessional.'Desired Settlement: I 'need' them to see who called me in early December and counsel them on 'why ' they approved me over the phone and never sent a card or a denial letter. If there is no record of such a call, I need to know this also, as I will need to place a fraud alert on my credit report. I gave this Capital One rep all my personal information, it is a BIG DEAL!

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 RECEIVED THE CREDIT CARD IN THE MAIL TWO DAYS AFTER MY COMPLAINT WAS FILED. THE SITUATION WAS UNFORTUNATE THAT I FILED THE COMPLAINT WHEN I DID AND NOT LATER, AS IT WAS ONLY A MATTER OF ME RECEIVING THE CARD LATE. THE PERSON WHO CALLED ON THE PHONE WAS NOT A FRAUD AND I FORTUNATELY DID NOT PROVIDE MY PERSONAL INFORMATION TO CON ARTISTS! I WAS RELIEVED TO HEAR THIS. I SPOKE TO CAPITAL ONE OVER THE PHONE AND INFORMED THEM OF ALL THE DETAILS. I DO APPOLOGIZE FOR THIS MATTER AND WOULD NOT HAVE FILED A COMPLAINT AT ALL. HAPPY HOLIDAYS AND I HOPE YOU WILL ACCEPT MY APPOLOGIES. Regards,[redacted]

Review: I reported fraudulent activity that occurred on my online checking/savings acct. I disputed several transactions that I did not make. I called to have my debit card replaced and have the money refunded that has been fraudulently removed. The bank is FDIC insured and has not replaced the money or resolved the issue. I have called several times, only to get transferred to the security department which is a voicemail indicating someone will return my call within 24 hours. No one has called or resolved the issue. I have no access to my account and I am unable to meet financial obligations to meet. I am accruing late fees for bills that I have the money to pay and can not because I can not access my account or speak to anyone regarding this issue.

My complaint concerns: a Banking Account (Checking)Desired Settlement: Refund the money that was taken from my savings account and checking account and replace my account with a new one, re-issued new debit card and unlock my account for use.

Business

Response:

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

Review: Cap One had marked me 30 days late on my credit report for 2 credit card accounts , a 30 day late for 9-2012 and a 30 day late for 7-2011 on the other card

This was due to a book keeping service that I had hired that was misinforming me of my finances. The records they provided me falsely showed the Cap One payment being made on time for both instances. In both instances, I only found out about the missed payment when I checked my credit report and myself proceeded to make the account to bring the account current.

I had recently called Cap One and explained to them the situation that led to these lates , and Cap one told me if I could provide them with sufficient proof regarding this story , Cap One would remove the late payments.

I sent Cap One a letter from the former bookkeeping service that explained their mistake. Additionally I also sent Cap One my bank statement during the time of the lates that show I had balances between $20,000 -$40,000, that proved was easily able to make the $20-$30 odd payments that were due. In spite of this Cap One responded back by simply stating that this was still my mistake and they would not remove the late payments from my credit report.My complaint concerns: a Credit CardDesired Settlement: Once again I have provide Cap One with sufficient proof that proves that I was unaware the payment was late and I had sufficient funds to make the payment. I am requesting that Cap One remove these late payments from my credit report. This issue is currently keeping me from getting a home loan for my family.

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 behind on my credit card payment and made an agreement to make 3 payment of 207 to get my services back and I was pretty sure the lady said I had till the 6th of the month to make my payments, I made my first 2 on or before the 1st how ever the 3rd payment was made on the 4th what happens to be on a Monday one business day late, I called in many times asking for help and one of the reps stated the rep in February may have said the 6th because that is my bill cycle date but like I said Icould have been mastaken.. Another rep said they will consider getting my card if I was only one day late but according to her Saturday and Sunday are considered business days.. Very fusterated they can tell me there could have been a mistake but too bad... We could help you with this with "a dollor short a day late" but we are not... Worst customer service expecelly for someone who is really trying!My complaint concerns: a Credit CardDesired Settlement: I would like my card active again

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 feel this is not acceptable, one of the agents I spoke to stated there is something that can be done since I was 1 (one) day late, I was 1(one) business day late, and I also stated it could have been an error in my part, how ever I guess your customers do not matter. I know see how you treat your customers, prior I would recommend Capital One, not any more

Regards,

Review: Since the buying of my new car they, Capital One, have been sending me monthly payment statements. Then I get a NOTICE OF ENFORCEMENT OF CONTRACT RIGHTS NOTICE OF DEFAULT AND RIGHT TO CURE notice. This was caused by them not sending me monthly statements as they had been doing. There was no previous letter of being behind on payments. When I tried to contact them the only thing I could get was a menu of choices which did not include talking to a live representative. I feel this is a bad business practice and possibly illegal as it could be looked at as a way to get extra fees in late payments. This company is not a very customer friendly company and I feel may cause unsuspecting people to get into debt problems as well as causing people to loose their good credit rating status due to their (the company's)negligence. When they had been sending their statements on time I had been paying in a timely manner. It Is the 27th of May and I still haven't gotten a statement. They had been coming in around the 16th-18th of the month here. What happened?

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

Refund of late payment fees. Audit of internal operations as to what happened to statement mailings.

Business

Response:

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

Review: Im being charged a annual fee for the last two years that I wasn't supposed to be charged I would like that credited back and my interest from the last year that we got lowered, and 3 late fees that I didn't get returnedComplaint concerns: a Credit CardDesired Settlement: I would like my credit card returned the two payments of $99 and also the interest from when it wasn't lowered and it was supposed to be with the 3 late payments that due to your system it didn't go threw

Business

Response:

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

Review: I applied for a promotion that Capital One was offering. When clicking on the promotion I was immediately approved. The offer was for interest free access to the credit limit I was approved for a specific timeframe. Approximately, a month into the agreement I noticed an interest charge. I contacted the customer service line in which I was told I was approved for an agreement that included interested charges throughout the contract. I was misled to believe I was approved for the interest free promotion as I was never notified I was not approved for said offer and instead was approved for a completely different agreement. The customer service line passed me through three different individuals in which they ([redacted]) were unwilling to make any adjustments to the account. Subsequently, I have charged an amount in which I will receive at least three months of interest charges before the balance can be paid off. I feel as though the site is intentionally set up to make people believe they were approved for a promotion they are running when in reality they are approving them for a completely different agreement that is not comparable to the actual promotion that the was originally was selected. Also, there is no formal notification that you were denied approval from the agreement you originally applied for. I have since requested that my card be cancelled.Desired Settlement: My desired outcome is that I be refunded the interest charge I received in Oct. 2013 of $26.80 and given three months interest free as that will be the length of time I will need to pay off my current balance.

Business

Response:

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

Review: Capital One Auto debited my checking account without my authorization for someone else's auto note. My name is not on the loan agreement at all. I had made "one time" payments for the person in the past. The money was withdrawn from my account on 11/12/2013 but I had deleted my banking account information from the website on 08/18/2013. So therefore I know they had my account information stored!Desired Settlement: I think I should be refunded immediately because I have bills to pay with that money specifically the 4 credit cards I have issued by Capital One!

Business

Response:

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