Capital One Financial Corporation

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: I opened a credit card with [redacted] that I had to deposit $500 to use, it

was transferred to Capital One quite awhile ago and I just found out that

the $500 was not transferred and I now have to pay the 500 + open amount if I were to close the cardComplaint concerns: a Credit CardDesired Settlement: apply 500 as credit

but they say they don't have records so I just want to let you know incase they do it to other customers

Business

Response:

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

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: 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: 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: I called capitol one re my account ending in [redacted]. I was told that I could make a catch up payment of 190.00 and that would bring my account current. I also received a letter dated Jan 17th 2014 stating that I had less than 60 days to make a payment before my card went into collections and was closed. I made the payment on 2/10/2014 of the 190.00. I went to check my balance today and found out by [redacted] a supervisor with number [redacted] that my account was closed on January 13th and it is only in repayment status. I called multiple times before paying trying to save this account from closure. I feel that this was an unethical way to collect money. I should have been told that the account was closed rather being told that via phone and letter that the account could be saved from closure.Desired Settlement: I would like to have the account reopened.

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 MOVED MY CREDIT CARDS TO A CREDIT COUNSELING COMPANY AND WHEN I DID THE FUNDS WERE TAKEN OUT OF MY ACCOUNT TO PAY CAPITAL ONE AND ANOTHER CARD. THE FUNDS WERE NOT TAKEN OUT BY CAPITAL ONE UNTIL A DAY AFTER THE PAYMENT WAS DUE. IN TURN THEY ARE SAYING THAT I DID NOT PAY THE LATE FEES IN OCTOBER, NOVEMBER, AND DECEMBER OF LAST YEAR. I HAVE ALL OF THE DOCUMENTATION WHERE THIS WAS TAKEN OUT OF MY ACCOUNT BEFORE THE DUE DATE ON THE CARD AND WHERE I PAID ALL OF THE PAYMENTS ON TIME. I HAVE CONTACTED CAPITAL ONE AND THEY ARE REFUSING TO TAKE IT OFF.Desired Settlement: I WANT THEM TO TAKE THIS OFF OF MY CREDIT REPORT AND STOP REPORTING FALSE INFORMATION

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 have had a Credit Card with Capitol One for some time. They charge me $5.00 membership fee with I have been paying and adding Payment Protection to this. I have called them, e-mailed them and chatted online with customer rep to have this removed to no avail. I presently have been charged a total of $95.22. I am asking this to be refunded to the card as I do NOT want this service and have informed Capitol One numerous times. My card ends in [redacted].Desired Settlement: $95.22 back to my card for Payment Protection which I have told this business numerous times, I do not desire this service.

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 became administrator of my uncle's estate after he died in early 2014. Once I received the legal paperwork, I contacted Capital One to close out his accounts and transfer the funds to his estate account. My initial phone communication with the bank was in mid August. I was given the name of the branch manager to deal with and instructed to email him the death certificate, court paperwork and an explanation of the situation. I emailed and mailed the requested documents on August 21, 2014. After a few weeks went by I called to speak to the person who was supposedly handling my uncle's accounts. In one day I made 5 calls to the bank only to be told the person I was dealing with had transferred to another branch. Nobody I spoke to could contact him to retrieve what I had emailed and mailed. It took several weeks to determine they could not find the documents. I then was told I had to deal with yet another branch and a different manager. When I called that person, I had to explain the situation over again and again could not be put in direct contact with the person I was supposedly dealing with. I then sent the documents for a third time and asked to be contacted by the manager. I received an email asking for a copy of my drivers license to allow her to cut a check and send it to me. I did that and waited another few weeks expecting a check was coming. When nothing arrived I called and asked for the manager. I was told she was busy and at one point I was "inadvertently" hung up on. I called back and the woman I was trying to reach answered but said she was too busy to talk to me. I would not accept that premise so she said she now needed signature verification from the bank where my uncle's estate account is. She contacted them and they called me and said they cannot provide such information to another bank. At that point she requested a letter from me AGAIN explaining what I was trying to accomplish. It took well over 3 months to close the accounts. The employees mislead me over and over.Desired Settlement: My uncle's name was [redacted] The branches I was dealing with were in New York City. I feel the employees I dealt with should be made aware that dealing with customers in a rude, dishonest and condescending manner is not acceptable.

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 10368433, 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: [email protected].

Regards,

Review: I have a credit [redacted] and [redacted] with Capital One. My due date for both credit cards are on the 19th of every month. I have a mobile capital one app on my cell phone that I use to make and authorize my payments to be paid from my checking account. I logged in my capital one mobile app and paid both my [redacted] and [redacted] balances in full at 6/19/15 @ 11:20 AM eastern standard time. I later logged into my account at 10pm on the same date and noticed my [redacted] account payment was recorded and paid but my [redacted] account showed no payment being process at all. I called Capital One the same day and spike with a customer service representative to find out why one out of my two credit cards was paid on the 19th of this month. The rep placed me on hold to review the account stating it might be a glitch in their system. The rep came back to the phone and stated that he will remove the $25 late fee and requested that we submit the payment again for the [redacted] account. I asked the rep again why one credit card was paid when both accounts was submitted and authorized to pay both of my credit cards. His response was that he only shows the [redacted] being submitted and not the [redacted]. I explain to him both accounts are linked into my capital one when I login to the mobile app and both accounts share the same due date and am absolutely positive that I submitted both credit card to be paid on 6/19/15 at 11:20 AM. He said he couldn't do nothing else and that capital one will consider the payment being mark late for the [redacted]. I requested to speak to a supervisor and was placed on hold for 10 mins. While waiting on hold I logged into my capital one mobile app and submitted for the [redacted] credit card to be paid again balance in full. The supervisor came on the phone Kaylee. I explained the situation and my husband also came on the phone and explain the situation. The supervisor said she was not able to do nothing about the payment be mark late with capital one.My complaint concerns: a Credit CardDesired Settlement: I want Capital One to reflect my June payment on time with my [redacted] account because I paid both of my credit cards on the same day when I logged in my mobile app the morning of 6/19/15 I should not be penalized for any of their system errors that they may have and claim that my payment was late when it shows one of my credit cards was processed. Both of them should have been processed because I gave authorization to both accounts when I logged in I'm disappointed in capital one and also the supervisor that took the call because she tried to find every excuse to say that I made the payment late when in fact that I didn't. I had these credit cards both for a long time and both are due on the same day. I paid full balance on both credit cards. My minimum payment for each credit card was $25. Why would I pay over $600 on my [redacted] credit card and not pay my [redacted] when the minimum payment for both credit cards was $25. My next step is to file an attorney general complaint

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: Being defrauded for charges made on an existing credit card in which I did not authorize and Capital One is outrightly refusing to stop the said company [redacted] for charging my account in coordination with [redacted] and [redacted] and [redacted] .FYI [redacted] the alledged company is non existent and is npot even a recpognized business on the Revdex.com lists.My complaint concerns: OtherDesired Settlement: Billing readjustments and the unauthorized charges be written off my account .

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,

Sincerely thankful .

Review: On 10/02/15 I made a payment to Capital One in the amount of $25 and received confirmation that this was paid. On Monday 10/5/15 I was told the money was never taken from my account right away and now there are insufficient funds, however I still have confirmation that this was paid. I called and spoke with several reps who stumbled over every possible excuse as to why the money was not taken out, even though I have confirmation that it was. I am willing to pay every cent other than the $25 that they now say I still owe because the money was not taken out right away even though my confirmation tells me otherwise. Capital One should be held responsible for the $25 as I have no control over their internal payment systemMy complaint concerns: a Credit CardDesired Settlement: To have the $25 removed from my statement

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 recently took out a home equity loan and was asked by the mortgage company to inquire about the 14 day payoff amounts on some credit cards that I was going to pay off. Most of my payment due dates are towards the end of the month and I was expecting once I closed on the loan for the accounts to be paid in full. I received a call on November 3rd saying that I missed a payment for an account that was supposed to be paid off. I called the mortgage company and they told me that all of the checks were sent and if a company didn't receive one then it got lost in the mail. On November 9th my account with Capital One was paid in full but it was passed the 30 day missed payment date. If I had known the mortgage company was going to pay the balance late I would of paid it myself. I believe I have never had a 30 days late payment or more since I opened that account and they should of ignored the late payment since the account wads paid in full. I communicated to the company and to the credit bureau and initiated a dispute. Apparently the dispute was disapproved by Capital One and I did not receive any notification of their decision. At this point I will pay this card off again and cancel the service since they treat their customers like machines and they can never have any circumstances that they will work with you on although your account is in great standing.My complaint concerns: a Credit CardDesired Settlement: I would like for Capital One to correct the late payment for October 2015. This does not affect them in anyway they received 100% of the balance on Nov 9, 2015. This is my only desired outcome and I will just pay it of and cancel it if they do not and give my money to someone one else that understands things happen.

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: Have been trying to open a Capital One 360 Savings account for some time. (January 2016). For some reason I am unable to complete the account activation process on line. After multiple calls to customer service I was advised that I would be contacted when they work out what the problem is. On the final communication (March) I was advised that there is a known issue with some users and that they are working on a fix. Again I was advised that I would receive an email with further information. Surprise, but no communication. I then went to check on Revdex.com and was going to comment on here to see if that would perhaps give the organization a bump and fix the issue and communicate with me. There was a request to contact them via email first. This was great, because I had not been able to find a point of escalation email address on their web site. So I sent that and get a slightly edited canned response back. So again I waited and thought, it's nearly been 5 months. Lets give it a try today. So I did and the same error is occurring. Seriously, what takes 5 months to fix! It is also worth noting that I sent a letter via old fashioned snail mail and have yet to receive a response to that letter either.

My complaint concerns: a Banking Account (Savings)Desired Settlement: Communication from the business with an explanation for the delay and a fix ASAP.

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 is satisfactory to me. The business has provided a work around technical solution that has resolved the technical issue from my end. I would like to add that at all times every representative I have spoken too has been incredibly friendly and helpful within their own scope of responsibility. To that I can't fault. It's a shame that follow up from numerous communications however was not forthcoming (when I was advised it would be) with out me having to file the initial complaint with the Revdex.com. Albeit it an unreasonable time frame for a resolution, it is a resolution none the less, so thank you! Regards,[redacted]

Review: I purchased 2 bedroom sets in 2003 from [redacted] in Cherry Hill, the first set was $1000.00 the second set was $3,500.00 after tax and interest the bill was around $5,500.00 total and it was interest free for the first year if paid in full, I did not pay it in full by 2004 so more interest was added on, It is now 2013 10 years later and the $5,500.00 bill is still being paid. I have bought and paid a $20,000.00 truck off in 5 years and somehow I am still paying for a $5,500.00 bedroom set that I have had for almost 11 years now. I don't think that Levitz which is now Capital One is applying payments correctly to my account. This account should be paid in full by now even with me just making the minium payment for 10 years!!Desired Settlement: I would like for this CC to be paid in full the balance to be written off. I have paid each and every month for 11 years on this card and it should be paid in full. no credit card takes 11 years to pay off...

Business

Response:

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

Review: I am loyal capital one customer that is in need of your help. I have contacted Capital One about this issue but still don't have the desired resultsI was laid off and miss a couple of payments. I was not informed that I had insurance on the credit card that would have covered the expenses. I now have late payments on my credit report with all 3 bureaus when it should have been avoided. Thank you for your time and consideration. Respectfully, [redacted], Customer Re: [redacted] SSN# [redacted] Cell: [redacted]Desired Settlement: Change the late payments to NR for the months in question when I was reported as being late to the 3 credit bureaus.

Business

Response:

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

Review: Due to difficult circumstances I was unable to fill my original agreement with Capital One. In speaking wth the company they offered a new settlemnt in which I agreed upon and a new agreeent was reached. The amount, terms and conditions were relayed both verbally and written. I abided by my portion of the terms in reguards to fulfilling the agreement however, they did not abide by their end of the agreement. The agreement reads as follows: " This (meaning the letter received) will confirm your agreement to pay, which will be considered as a full settlement on the above referenced account. As part of this agreement your account will be closed. Once all funds ( cashiers check was applied to account 9/18) clear bank and proceeds are applied to account it will be considered settled in full. The agreement terms were the account was to be fully settled within 10 days. from date of agreement which placed us at 10/2. To this date 3 weeks later I called customer service and they advised that the account still has a balance. I advised of new agreement made and accepted. At this time after account was reviewed and they were able to see I accepted settlement I was told the account balance and release of titles could take up to 60 days which differs from the new agreement.Desired Settlement: Release of my [redacted] titles

Business

Response:

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

Review: Several months ago, I was instructed by a bank representative that I needed to start building my credit. I went to Capital One's website and applied for the Capital One Secured [redacted] Credit Card. As advertised, I was told that I would put money of my own on the card in the form of a deposit, and that would be my credit limit. A representative from Capital One, told me that I would not be able to go over the limit, nor could I go under. I placed $204.00 on the card and I have been using the card successfully for quite some time. I logged into my credit monitoring account ([redacted]) and saw that there was a report placed by Capital One stating that I had went over my credit limit. I then logged into my Capital One account and saw where they say I had evidently went over my limit. I do not agree with this, since they told me that my credit limit was only the amount I place on the card. Because Capital One did not keep their word about how the card would be operate, their reporting to credit agencies has substantially affected my credit score negatively.Desired Settlement: My desired outcome is that Capital One would remove the "over credit limit" flag from all credit reporting agencies that they have contacted, and remove this from my Capital One Account as well.

Business

Response:

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

Review: Selected a credit card from their list of cards that said 0% financing for the first year and a lower APR after then what they gave me. Selected "Classic Platinum" and they changed me to "Platinum" so they started charging interest. This was not a mistake on my end I knew which card to click apply for.Desired Settlement: I'd like to see my card changed to the one I applied for and have the yearly no interest start from that time.

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,[redacted] They say I received the percentage rate (and offer) of the card applied for. This is not true. While this could happen accidentally it is unlikely that both my wife and I somehow BOTH applied for the wrong card by accident.

Review: I just checked my credit report again & again was dishearten. we are trying to buy a home & when they checked my credit they denied me because of this inaccurate account with Capital One. I paind this account already after I was promised removal in return for payment. Later I called Capital One & inquired why this account was still on my report & I was told "[redacted], we cannot remove the account because that would be illegal". I explained to the I was promised that in return for payment & was told "either they lied or you are lying".This account is actually preventing us from buying a new home that we can afford & thus preventing us from putting food on the table or a roof over my families head. This account is completely inaccurate & those inaccuracies should not be showing on my credit report. I disputed this account on my credit report with [redacted], [redacted] & [redacted] approximately 45 & 90 days ago as well and yet they still remain. This inaccurate negative reporting has resulted in repeated denials of credit, loss of oppurtunity to receive credit, economic loss, damage to my reputation, loss of self esteem, invasion of privacy, interference with family life & emotional distress.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Capital One [redacted]- second request- this account is showing late & was a billing error. The account was never paid late & your bureau is allowing false information to remain on my credit report. REMOVE LATE PAYMENT IMMEDIATELY.

Business

Response:

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