Capital One Financial Corporation

Review: I have a hard inquiry on my credit report by this company. I have mailed over my police report as well as a writer letter from police officer T. [redacted] stating that I am a victim of identity theft. I have not received any information from the company stating they will removed the inquire. It appeared on my credit report Oct 22, 2014 ad I did not authorize them to run my credit. This is illegal and I want this situation handled asap.Desired Settlement: DesiredSettlementID: Correction to a credit report

I would like the hard inquiry removed from all 3 credit reports asap!

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 made a credit card payment to Capital One in the amount of $180 on 02/09/15.

On 02/10/15 Capital One claimed that it returned the $180 payment due to insufficient bank funds (I had between $2000-$4000 in my checking acct. at the time and no other large payments pending).

On 02/10/15 The Capital One payment was charged to my bank account (Salem Cooperative Bank).

On 02/13/15 I noticed the error and called Capital One. I spoke with a representative and he assured me that it would take up to 10 business days for me to see the returned funds. I made a second payment of $180 during that phone call thinking I would receive my original payment back within 10 days.

I never received the money back. I opened up an investigation case with Capital One regarding the missing payment. Case #[redacted]. I uploaded bank statements,

payment proof (on the Bank's end) and the representative spoke with and confirmed payment from a [redacted] employee (part of Capital One's policy).

I received a note back regarding the results of the investigation. Capital One claims that the payment was returned due to "Insufficient Funds" and that the payment was returned to me. I opened up a new case (Case #[redacted]) and went through the necessary steps again.

I received the same notice from Capital One, explaining that the bank returned my payment due to "Insufficient Funds."

In short, I made two payments of $180 to Capital One within a three day period. The first payment was declined on Capital One's end, but I was charged anyways. The payment was never applied.

I have documentation that provides proof of payment to Capital One (complete with trace numbers).Complaint concerns: a Credit CardDesired Settlement: Please apply the $180 payment as a credit on my credit card 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,

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: I used my credit card in November the statement balance was $15.97. When I used my card in the month of December they charge my account $[redacted] I call them and told them they were fraud charges.No one correct the error.When I used the card in the month of January the total bill is $[redacted]Complaint concerns: a 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’m a new consumer to Capital One. I was with [redacted] since May 2011 and have never been late nor missed a payment. [redacted] was taken over by Capital One and I decide to maintain my current outstanding billing record by sitting up payment to take place monthly online, with that being said somehow either by using the only and or old payment system the payment was not process. I contacted the company to explain this technical error and to make a full payment and request that this issue be investigated and resolved. This seem very unfair and unjustified, I’ve NEVER BEEN LATE NOR MISSED A PAYMENT PLEASE REVIEW MY HISTORY AND MY CURRENT STATUS. Last four of SSN: [redacted]Desired Settlement: To have the 30 day late error removed from my credit report this was a computer issue and of no error of mine

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: 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 sent you guys a letter asking to remove a credit card I had with you guys that is showing adversely on my credit report. Instead you guys thought that I was asking to be removed from my wife’s account as an authorized user and that is not what I was asking. The account that I want removed ends in [redacted] but instead you all have stated that you will be removing the one that I’m authorized on when I do not want you to do that. My wife’s account ends in [redacted] and again I DO want that to be on my credit report. I do not however what the [redacted] on my credit report as I have paid it off and want it removed.My complaint concerns: a Credit CardDesired Settlement: I want the [redacted] account deleted from my credit report and I want the [redacted] to continue to be on my credit report, I do not want it deleted

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: 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: received an offer for 1 year 0% interest they the promo early should be until September 2014Desired Settlement: DesiredSettlementID: Other (requires explanation)

want 0% for 1 year as advertised should end in September 2014

Business

Response:

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

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 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 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 made a [redacted] payment to my Capital One credit card that was paid by [redacted] on 05/19/2106. The payment shows cleared by both [redacted] and Capital One as of today, however, the payment has not been credited to my Capital One card. Capital One has a history of taking out my payment numerous times, and I am beginning to feel that they are doing something unscrupulous in collection procedures.My complaint concerns: a Credit CardDesired Settlement: I want my available credit to reflect the payment I have made. I also want to ensure Capital One does not attempt to process any more of my payments twice.

Business

Response:

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

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 have been a customer of Capital One since 2006 and up until now have always felt that my business was valued. Over the years I have chosen to add more accounts with Capital One as they have expanded their offerings. In 2015, I had small period of time where a job transition caused me to fall behind on one my accounts. While trying to work through the payment dilemmas, Capital One appeared to be willing to work with me and offered a temporary relief period. This offer went a long way with my loyalty to Capital One and encouraged me to view my business with Capital One as a long term relationship. During the relief period, I was able to make all of my reduced payments on time except the very last payment, which fell behind due to a job transition taking longer than expected. After missing the last payment, my job transition improved and I immediately caught up my payments and have made all payments moving forward. However, because I missed the one payment, Capital One decided to place my account on permanent restrictions, which means I am no longer able to use it but can make payments. I was very disappointed to discover this was the case as I continued to honor my account status and remained transparent with Capital One on my intent to the account. I feel that Capital One has misled me as a customer by indicating a good payment record would result in my ability to use the card again. Instead Capital One only wants me to keep my account status active so that they can continue to reap the benefits of a high percentage credit card rate while I make payments, while they have no intent to keep me as a long term customer. I think Capital One really made a bad decision to permanently penalize a customer who is active on their account and who is attempting to restore any past payment issues. When attempting to work through the restriction issue with customer service, they were not willing to attempt any corrections to the account, regardless of seeing positive payment activity. When asking to speak with a manager, I was told that they can get someone on the line that will explain the same to me and then continued to place me on hold for a very long time, as if waiting for me to eventually hang-up, which I did after approximately 30 minutes of wait time. These acts have showed me that Capital One is not interested in long term customer relationships and only provide lip-service to customer support. Until now, I had considered transferring all of my business under the Capital One umbrella but I have reconsidered and I am now looking to remove all my business. A simple act can show the character of an organization and I extremely disappointed in how my efforts to be a loyal customer have been ignored.

My resolution request is simple – reinstate my account and allow the use of a card that I am paying on as a customer.

Disappointed,

A Customer Deciding to Leave…My complaint concerns: a Credit CardDesired Settlement: My resolution request is simple - reinstate my account and allow the use of the card that I am making payments on as a customer.

Business

Response:

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

Review: I have been receiving mailers from Capital One since the beginning of 20014, at first I would just throw them away, but then they started coming twice, sometimes three times week. I wrote on them, "RTS, Return to sender, Remove address from mailing list," but that just got them to send more. My first phone call to the company was on February 10, 2014 at 04:57PM MST. I also spoke to someone via [redacted] that same day, asking them to remove my information from their systems. Since then I have been getting two mailers/advertisements a day. I keep sending them back, "RTS, Return to sender, Remove address from mailing list." I called Capital One again on, February 15, 2014 at 02:45PM MST, to remove my information from their systems. Again I am still getting advertisements from the company, some just once a day, others twice a day.Desired Settlement: I would like politics to be changed. I never contacted Capital One, so I do not know where they got my information from, but the first ten advertisements that were sent back, "RTS, Return to sender, Remove address from mailing list," they should honor the request. The first phone call that is made, I would like them to honor the request.

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.

I did more than just contact Capital One via Social Media. I have made phone calls, and sent back the mailers with, "Take off mailing list," written on many of them, while others had, "Do not contact," written on them. Capital One needs to have a better system for when mail is returned to them with these types of messages written on them.

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: Given the recent history of credit and banking institutions, it would only make sense that transparency of billing processes be enhanced to their optimal level.

Currently, Capital one runs charges to the credit card in a sequential order without provide a running balance. I have two additional cards with other organizations and they provide a real time running balance so that the consumer is best informed of the pending charges and make more responsible financial decisions.

I generally pay my entire balanced within 5 to 30 business days each month, but it is extremely difficult to reconcile my account when there is no balance from one transaction to the next. Given that the standard for other financial institutions is to provide this running balance, I can only assume that Capital One is intentionally omitting this practice in an effort to confuse and push for clients to incur additional debts.

I think it would be of most benefit to all parties involved for Capital One to follow better business practices. This is a simple fix and one that falls with general industry standards.

Please advise.

Regards,

[redacted]My complaint concerns: a Credit CardDesired Settlement: Change the all billing systems to reflect on going available balances so that clients can better reconcile billing.

Business

Response:

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