Capital One Financial Corporation

Capital one bank helps scammers to scam and when their customer is a victim of scam, instead of helping the customer they stated its their policy. I contacted GM capital one several times for help, I became a victim because of them and the managers straight said on my face, can't help. I want to file a case against to them and manager name Maritza said you can do whatever you want. Is this called a customer service than what is the point of using their card. Isn't it they are helping the scammer to scam.

Review: I have two credit card accounts with Capital One. The oldest and larger credit account (ending [redacted]) has not been report to my [redacted], since 2007! I have contacted CapitalOne numerous times, providing them with my current documentation ([redacted] report) showing that they aren't reporting. I continue to speak with incompetent and rude employees. The result is the same week after week, I receive a corresponded letter in the mail stating, we've verified that the information on your credit matches the information in our records. This is not the case because they are still not on my [redacted]. Because they are not reporting to [redacted], I am unable to dispute the matter with the bureau because on there end there's nothing to dispute. This is very frustrating.Desired Settlement: I would like my [redacted] report updated with the appropriate information, the time the account was opened; credit limit; always in good standings. There is apparent a miscommunication between the company and the bureau. I just my report to display the accurate information.

Business

Response:

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

Review: I previously complained directly to the company last month. My issue was that I made a payment arrangement in October 2015. When I began to get collections calls. I reminded the representative of my arrangements. They denied that any had been made on numerous occasions. I disclosed to the representative that I had recorded the call of the arrangements being made. The caller abruptly disconnected.

I then complained via email as direct through the Revdex.com website. I receive written confirmation from a supervisor that indeed the arrangements were made with an apology. After that I applied for credit and I was turned down. One application to be made was to have secured a loan to catch up my balance with Capital One. In applying for and being denied credit. I learned that in violation of the Fair Credit Reporting Act. Capital One has reported me late for the past several months. In doing so they have ruined my credit that I have sought diligently to repair.My complaint concerns: an Auto LoanDesired Settlement: I want this credit account repaired. I also should not be reported late this month. Since their violation of the law is the reason I was denied the credit to pay my outstanding balance.

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: My complaint is regarding that when I called capital one in November 2015, to see when my credit card would not be restricted anymore due to the fact that I have been making my payments in order to bring down the balance, which was over the limit. The customer service said that it was restricted "forever" and to my surprise I was NEVER told that I wouldn't be able to use my credit card ever. Nor did I receive anything in the mail stating that. Their customer service department failed to give me the correct information especially since I was working very hard to bring my balance back down, especially since I'm not working. I spoke with a manager; Katie-senior acct mgr, she said my account is restricted unless they have a promotion to un-restrict however, once again my complaint pertains to the fact that no one at capital ever told me that it will be restricted forever! I've been making my payments on time for over 6 months. Since I never got anything in the mail stating basically my acct is restricted I want to be able to have it UN-RESTRICTED especially every time I called in customer service didn't mention it to me when I told them I want my account in good standing and be able to be used after I bring back down the balance!! Plus they said that I would be able to use it once I bring back down my balance!My complaint concerns: a Credit CardDesired Settlement: My desired outcome is for my account to be removed from Restriction and I want to be able to use my credit card ASAP!!They have terrible customer service communication I deserve this because I have kept up my end of the bargain; making my payments on time every month to bring my balance under the total limit of this credit card.

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: I have closed my account and destroyed my credit card. Capital One does not give any access to my account number either online or on my statement. I would like to transfer my balance and thus lower my interest rate but I'm unable to do that without my account number, which capital one is refusing to provide me.Complaint concerns: a Credit CardDesired Settlement: I want Capital One to provide me my account number.

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 offered a minors a Credit Card with a limit of $500. Per their policies, you must be 18 years of age! The consumer (Myself) found out that a capital one card was in my name and tried to settle the account with Capital One! It's been eight years and I am still unable to come to a resolution with this company! They are also still reporting to the credit bureau which is preventing me from opening new accounts!My complaint concerns: a Credit CardDesired Settlement: I would like Capital One to be removed from my credit report!

Business

Response:

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

Review: In Dec 2012, I made my monthly payment over the phone for my credit card. The person over the phone typed in the incorrect payment information, which caused the payment to not go through. I called 3 weeks later on this account and the representative confirmed that the mistake was in fact made by a Capitol One employee (and stated the call was recorded). He refunded the late payment and took the correct payment information. I asked this representative if the late payment would not be reported to on my credit report, and he stated it would not, since the payment was not late due to me. A few months later I checked my credit report, and this payment had indeed been reported as late. I called Capitol One and the representative said they would fix this, and to check my credit report in 2-3 months to make sure it had been done. I did this in July 2013 and the reporting hadn't been fixed. I sent a letter to Capitol one in August 2013 stating this needed to be fixed, and Capitol One sent a letter back stating they did nothing wrong and would not fix the reporting. I have a perfect payment history with Capitol One and they record calls for quality purposes.Desired Settlement: Capitol One needs to fix the reporting to [redacted] and state that the payment was not late, as I did call and make a payment on time.

Business

Response:

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

Review: I had a Capital One Credit card which I cancelled several years ago and up until two months ago they have demanded 3 times the min amt due, I paid them $15 a month an paid on Oct 8 $15, this was not posted until Oct 28, I sent a letter to dispute this along with a statement from my bank, I never heard from them, I also contacted an [redacted] to report this Alert, [redacted]. My [redacted] report also stated I paid $15, howver this account could be negative to my credit report. I also applied for a retail credit card and Capital One turned me down.

Product_Or_Service: Credit

Account_Number: Credit cardDesired Settlement: DesiredSettlementID: Refund

I am sending them $60 for Dec 22 payment because I do not want them to charge me again for being late But this company should be investigated.

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: The issue started when I was contacted by a company to do purchasing for them. They had me make purchases and I was immediately reimbursed. They had given me an account to get my money back and put on my credit card for the amount I had spent. Everything was fine until the end when I found out they were denying payment to me. I attempted to contact them and got no answer. The job I was offered ended up scamming me out of $12,500. I have attempted to talk with the card company and am told they cannot do anything about it. As this is a fraud I disagree with their answer. I am also told now they want $325 monthly and I cannot use my card. They also have put information on my credit report reducing my score by almost 100 points.My complaint concerns: a Credit CardDesired Settlement: I would like the amount of the fraud/scam removed from my account as I have always paid my bill on time. I also want the credit score corrected. I should not be responsible for fraud/scam.

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.

They are not telling the whole truth about the reporting of the information. They have already reported that the credit limit was exceeded. Their response states they are not reporting to the credit agencies. Also as this was a scam by a company on me they should have investigated more than a couple days. They also stated I told one of their representatives that I had purchased all the materials that were charged

to my card and this is false as I have never told any of the representatives that this was done by me solely.

Regards,

Review: My account has an annual membership fee which I asked to be waived. I was told over the phone that I would receive a credit within the next two to three business days. More than a week later the account was still showing a balance of $39.00 as the fee was not credited. I then sent (2) secure messages and was told that the account was not eligible for a fee credit unless the account status was closed. I sent a second message stating that obviously my business wasn't that important and to close the account. The second reply stated that I once again my account was reviewed and wasn't eligible for an account credit.

Through the automated system, I telephoned and closed account. I then asked for a supervisor and explained the situation. The supervisor re-opened the account and told me that the account would be credited in the next one to two business days.Desired Settlement: Train appropriate personnel and empower them to be able to credit accounts as necessary. The experience I received was poor and I don't want it repeated. Hopefully neither I nor other customers will have to endure this frustrating experience in the future.

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 find that this resolution to be more than satisfactory. I appreciated the two phone calls and the $** credit to my account.

I consider the issue resolved and closed.

Regards,

Review: I went on the internet searching for a secured credit Card. It populated the one below stating I will be issued a credit card with a security deposit. Thus I applied for the credit card only to be declined based on credit worthiness...

THIS IS FALSE ADVERTISING AS THEY FRAUDULENTLY RAN MY CREDIT, AS I STATED BEFORE, I WAS LOOKING FOR A SECURED CREDIT CARD.

[redacted]My complaint concerns: a Credit CardDesired Settlement: I want the inquiry to be removed OFF ALL 3 credit reports!! the credit card they advertise is NOT secured IT IS BASED on Credit Score...thus it should not be advertised as such!!!

Business

Response:

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

Review: In mid December, I applied for a secured credit card from Capital One, in hopes of reestablishing my credit score (improving), since that time time period, more than 30 days, I have used the card, and still have not seen any tradeline showing on my pulled credit report. I have talked to numerous customer service representatives asking when the reporting date is and can not get an answer, but always a reply of "you can call the credit bureau and they can tell you when, we do not know". My main reason for obtaining this card was to increase my score in hopes of securing a mortgage loan, due to the effortless service on Capital Ones' part to honor their part of reporting to the major credit bureaus, that dream may or may not happen.Desired Settlement: I would like Capital One to perform an Out of Cycle (outside of their normal reporting cycle, whatever that may be) credit report update to the 3 credit bureaus to have my tradeline with Capital One added to my credit report.

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 has made numerous inquiries on my Equifax credit report, which were not authorized. . I do not recall authorizing these inquiries, and request that they be removed as I am aware that an inquiry cannot report unless it was authorized.Desired Settlement: I request that these inquiries be removed as soon as possible

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].

Review: There's a billing problem. I never got my bill (I selected paper bill mail to me). So I contacted Capital One through 2 online chat sessions, and found out that THEY RECORDED MY ADDRESS INCORRECTLY([redacted]) ; my correct address is [redacted]. Furthermore, I took other precautions to pay my bill too; I set my [redacted] (NYCB) account to pay my bill, because I traveled abroad from end of April to 05/07 and 05/28 until now, but for some reason, I recently realized that it didn't work. Right after I realized this, through the online chat sessions, I told the representative that I will pay my original purchased amount fully, like I always did each month, but the bank is now charging me 20 percent interest , which is extremely UNFAIR to me. I TOOK POSSIBLE PRECAUTION TO PAY MY BILL! AND I'VE ALWAYS PAY MY BILL ONTIME AND FULLY EACH TIME! I NEVER OWE ANY MONEY TO ANY COMPANY IN MY LIFE!My complaint concerns: a Credit CardDesired Settlement: Capital One should waive the interest charges and pastdue fee on my bank account.

Bill due 06/15 : pastdue fee $25, interest charge $27.9; Total $52.9

Bill due 07/15 : pastdue fee $35, interest charge $30.72; Total $65.72

I will pay my original purchased amount $1754.54

Business

Response:

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

Review: Capital One refuses for the last approximate two years when I have either phoned or e-mailed them that they should cease sending me credit card applications for an [redacted] who does not live here. They have said on the phone they would quit sending it to me, and they have never responded to e-mail. I am sick of companies such as Capital One endlessly sending mail to an address that does not have a proper recipient. It is harassing to me and my wife especially to be receiving mail for some woman who does not live here.

My complaint concerns: a Credit CardDesired Settlement: For Capital One to quit sending any mail to my address! Quit harassing me and my wife with mail!

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 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]

Review: I had lost my job in June 2013. At this time I had my Capital One Credit Card. I was unable to make payments and fell behind. Capital One sent me letters and emails saying that if I made a payment of a certain amount I would bring my card up to date and would be able to use it. I obtain another job and attempted to make a payment. The first payment was returned because I forgot to update the bank information onmy mobile app. So I called and talked to a Capital One Represenative she informed me that I had a past due amount of $119.00. So I started to proceed to make a payment when she began to explain to me my next amount due would be $75. She stated that if I made the payment that my account would be up to date and my next payment wouldnt be due until March 15th. So I made the double payment under the impression that my account was up to date and I could use my card. However, on 3-5-14 during my lunch break I went to purchase lunch from [redacted]. My card was declined. When I spoke to a representative they informed me that my card was restricted and I wouldnt be able to use it anymore. I explained that I made a payment and was never informed that I couldnt use the card. She stated that would get her supervisor. She returned after a few minute hold and said that her supervisor looked at my account and said it was over 120 days past due and couldnt be changed. I voiced my displeasure and she tried to calm me down my saying that I can reapply later. I asked to speak to her supervisor again and she finaly put her supervisor on the phone (no name was given). Her supervisor tried to say she understood why I was upset but basically couldnt help. I informed her that I was never notified by mail, email, or during my phone call with a representative when I made my payment that I wouldnt be able to use my card. She checked her system and saw no notification of restriction and transfered me to a [redacted] ([redacted] or [redacted]) who basically told me that my card was restricted and that they (Capital One) didnt have to inform me of this decision. I was lead to believe by Capital One and their representatives that if I made a payment I would be able to use my card. Unfortunately, this was not true. I believe that Capital One intentionally withheld this information so that they can receive their payment. This is an unethical business practice and consumers should be informed of such things. Additionally they lied to me prior saying I could have a credit limit increase if I made 1yr worth of payments in a timely manner. However whenever I applied they denied me.Desired Settlement: Honestly, I just want to use my credit card. I have credit issues and I am trying to repair them. Everything in this world is based upon credit and if they close my account and take away my card I wont ever be able to get another card. While I dont blame them for my credit issues I do think they should either re-open my credit card account or give me my money back.

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: Credit report has the credit card ending [redacted] listed as a NEGATIVE ACCOUNT. There are months I paid twice. Capitol One collected LATE FEES and I paid the account off in a timely fashion. I ask they apply my "Points Earned" for a GMC car to removing this negative blemish from my history.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I ask they apply my "Points Earned" for a GMC car to removing this negative blemish from my credit report agency history.

Business

Response:

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

Review: When I went online to pay my bill there was a travel charge of over $800 made to [redacted] that I did not do. So I called & reported it. Capital One closed my account & issued me a new card. I went to use my card & the account is on hold so I called Capital One. They told me that the account is on hold til the investigation is complete. I contacted them on this fraudulant charge either on the 7th or the 8th so why do I have to wait to use the card? I did not do the charge, I have paid my bill & I should be able to use my card during the investigationMy complaint concerns: a Credit CardDesired Settlement: I would like my account to be taken off hold

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: They are applying payments incorrectly. The statement in question clearly stated the payment was due by July 24, 2013. I made a payment on June 30, 2013 and they still charged me a late charge. It was not applied until the next statement which clearly said it was due by August 24, 2013. So even though the June 30 payment was made prior to the due date on the statement due July 24, 2013, they did not apply the payment to that statement until due date of August 24, 2013. They did credit the late charge, however, now my payments are being applied in such a way that I will no doubt have this same problem again. I was on auto pay when the main problem occurred so they took out the payments either the 30th or 1st of the month, every month. They applied two payments, one made on April 30, 2013 and one made on May 30, 2013 (through autopay) on a statement with a due date of June 24, 2013. They have stated that even though they took two payments prior to the due date on the statement of June 24, 2013, the next payment I made on June 30th wouldn't apply to the statement due on July 24, 2013, it was due June 24th even though the statement before me showed I made two payments on that statement. They're saying I skipped a month because two payments were make on one statement - but I didn't!! I made that payment BEFORE the due date so how did I skip that month? THEY didn't apply I when they should have. How is that ME skipping a month. So because they withdrew two payments and applied them towards the June 24th statement, The payment I made on June 30, 2013 would not apply to the July 24th statement? I know this doesn't make sense, BECAUSE IT DOESN'T! Honestly, I spoke with them for an hour and a half trying to correct this situation. I tried to make sense of what they were saying but it just doesn't make sense, I'm sorry. They spoke about the payment not being received within the cycle. But still, why would a payment made on June 30th, 2013 not be applied to the statement saying due date July 24, 2013 and yet be applied on August 24, 2013? How is that "in the cycle"? I stated that what they were implying clearly meant the due dates meant nothing. Am I somehow supposed to figure out "their cycle" instead and ignore the due date? They told me I was wrong about the due dates not meaning anything. How? I also make payments of $50.00 when the minimum is $25.00. They are claiming a payment had to be made within a cycle however, they had been applying my payments of $50.00 over a month before the due date all along anyway so that even confuses me further on "the cycle" they refer to. For instance a payment made on 6/30/13 they applied to the statement with the due date of 8/24/2013. Payment made on 8/3/13 they applied to a statement with a due date of 9/24/2013. Even prior, a payment made on 2/28/13 they applied to a statement with a due date of 4/14/13; payment on 3/30/13 applied to statement due on May 14, 2013. All along these payments were applied a "due date" ahead of time (in other words, there was another due date between when the payment was made and the date they applied the payment.) Again all of these payment were $50.00 twice the amount of the minimum due. I made a payment on 9/7/13 (there was a due date on 9/24/13.) and they applied it to my current statement due 10/24/13. So if anything, they are applying the payments outside of their so called "cycle" so even though they did apply two payments in one cycle, I was always a cycle ahead anyway. THEY applied it that way. I am not paying on auto pay at present since it ran out in July and I'm afraid to start it again as I will have the same problem over and over. I also explained to them that their statement dates were "off." For instance, when I pull up a statement that says on the document page it's for 8/28/13 - 9/27/13 I get a statement for 9/27/13 -10/27/13. Every statement is a month off... just to add to the confusion. Also, when I was speaking with them, they kept interrupting me with their "answer" before I was even done explaining what I was talking about and then get nasty saying I wouldn't let them speak. They wouldn't let me explain the problem! I would go over what it said on the statement and they would agree with everything - date of statement, date payment made, date due, then when we got to the next statement they would claim the due date was the date of the statement prior. I said "we agreed on the previous statement right" they would say yes. I would ask then how can two different monthly statements have the same due date? We went around and around and honestly, I was just stating what it said on THEIR statements and they would change the rules, i.e. the due date. Simplify Statement with a due date of 6/24/13 - they applied two payments which I made on 4/30/13 and 5/30/13. Next statement with a due date of 7/24/13 (which is the month I received the late charge) - I made a payment on 6/30/13 and they didn't apply it until 8/24/13. They're saying I skipped it because I made two payments due 6/24/13 which was "in the same cycle." In the same cycle or not, I still made my next payment on 6/30/13 which was made prior to 7/24/13 which was the VERY NEXT STATEMENT from the one they took two payments out of! Yet they didn't credit it until 8/24/13 and said I was the one that skipped the payment?!?!? How does that make sense? P.S. I just now tried to get into my Capital One account on-line and it said "my request couldn't be processed at that time"! I have everything written down so I'll know if they changed anything.Desired Settlement: I would like that, if a payment is made prior to a due date I not get a late fee. I would also like them to change/fix it so the statement on the document page is the same date (the same statement) when I view it. I honestly would also like some kind of apology. (I talked to both a representative and a supervisor) I specifically asked them if they were looking at the same thing I was and they would state "yes" but then would actually state different dates then what was on the statement I had right in front of my eyes. I said "I thought you had the same information I had"? Then Whitney would tell me I was interrupting her. I have a lot of health problems and honestly this really got me worked up which is the last thing I need. I did get very angry at the end which I'm not proud of but they were making NO sense. I'm sending this complaint because they are WRONG 100%.

Business

Response:

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

Review: Capital One 360 has blocked my account and would like them to cancel any accounts under my nameMy complaint concerns: a Banking Account (Savings)Desired Settlement: Cancellation of Accounts

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,