Capital One Financial Corporation

Review: Ever since Capital One took over [redacted] bank ive had nothing but problems with Capital One. They cancelled my automatic payments, I am unable to log in online anymore to make my payments, I have gotten multiple fees including a $80 on a $300 credit limit. Ive attempted to contact capital one and even speak to supervisors but they refused to waive my $80 "annual fee". I told them I wasnt paying that and I was going to file a Revdex.com complaint first. I was willing to continue business with Capital One, but I was not paying a rediculous fee. They wouldnt budge on that fee. Capital One representatives were even willing to let me go after 5 years of business with this company that was just taken over. Apparently now I am 4 months late on payments, and still have no way to log in online to make payments without getting charged a crazy "payment fee". I used to have this account automatically taken out, but apparently when the ended [redacted] bank website, the payments were no longer being taken out. And now I cannot figure out how to get it started again.Desired Settlement: I would like account to be put back in "regular standing" with the credit boroughs and would like all fee's waived on my account if you would like to continue to do business with me. I would also like you to take my payment with my checking account over the phone with no fee's. I have never been late with [redacted] bank and have never had any of these problems, I would like to keep the same relationship with capital one. Please fix all of these fee's and late credit reporting because of a mistake that capital one made by removing my automatic payments.

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 made it clear to the representative that I would be filing a complaint with the Revdex.com when they first fixed my report, I was still unable to make payments online or over the phone. I made it clear to the executive office that I wanted my report to be fixed and the fee to be waived then I would make a payment. They agreed with me then got back to me telling me they wouldn't do it.

Regards,

Review: I am currently (3 yrs now) working with [redacted] to pay off debts I incurred during marriage. I have had my Capital One accounts for 7 and 8 years now without a single late payment in that time period. [redacted] had taken over with making my agreed payments with Capital One at $65.00 a month. Due to a gliche, [redacted] had missed a Dec 2013 payment on 2 of the accounts with Capital One. "I" had only found this out due to trying to purchase a home(which I had been denied due to credit score and this issue), I had contacted Capital One directly to find out what the problem was. They had stated a payment was missed on 2 seperate accounts I had with them due on the 28th of Dec and were received on Jan 4 putting my account 30 days past due. I immediately made a payment on both of them to keep them current and up to date. When I had asked why I wasn't informed prior to it going to my credit report, I was told that Capital One will NOT contact ME due to [redacted] making the accounts. When I asked if they had contacted [redacted], they stated that they would NOT do that either, that [redacted] would have to call them if they wanted information on the account. I had then contacted [redacted] to see what had happened. They had admitted it was in fact their fault for the missed payments, wrote a letter to myelf and [redacted] stating it was there mistake asking to have it removed from my credit reports. A rep from Capital One had told [redacted] that if I had called in and filed a dispute with them over the phone they would consider removing it. I had called them on Jan 6, 2014 and also contacted them in writing along with the letter stating it was not my fault from [redacted] and was out of my control but they had refused to remove the discrepency from my report. These discrepencies state they will remain on my report until 2020 for a $65.00 and $30.00 charge. I have never missed any payments with Capital one for the past 7-8 years with them nor did I miss any payments with [redacted] and Capital One was unwilling to remove these from my report even though I was not the cause of the late payment. It is just simply unfair to me, doing what I was supposed to do, paying off my debts for what I had owed all of these years without a discrepency to have this happen. One of these accounts has since been paid in full and closed and I have only 7 payments left out of 42 left on my [redacted] account to have all of my creditors paid in full. [redacted] nor myself were aware of any discrepencies nor were we notified in any way until it appeared on my report.Desired Settlement: I would just like for the "late/delinquent" status removed from my 3 credit reports. The accounts had been paid up to date by both myself and [redacted] with extra payments. That is all I am asking for is to change the status to a "positive" versus a "negative"

Business

Response:

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

Review: The following was reported onto my credit report. I would like to have it removed. I do not owe them money and my account was closed about 2 years ago. Date reported: 02/2014 Company: CAPITAL ONE Account Number: [redacted] Address: PO Box [redacted] Balance: $556 Telephone: [redacted] Company Bureau ID:[redacted]Desired Settlement: correct the report to the credit agencies and send me a letter stating the corrections please.

Business

Response:

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

Review: This is a copy of the note I sent to Capital One:

I feel very much deceived by your milage plan. It is NOT a milage plan. It is a money plan and not a good one at that. As an example, to fly from Spokane to Seattle, about 300 road miles, would cost about $100 or about 10,000 miles by you plan. How close is 10,000 miles to less than 300 miles? This allong with taking 3 or 4 calls to get you to send a paper statement to us leads me to believe that there are better ways to go!

Capital One claims to give 2 miles per dollar spent using their Signiture Credit Card. But it is absolutely a false advertizement. I contacted another credit card company associated with the air lines who offers 1 mile per dollar spent. While a trip to Spokane would cost 7,500 miles to fly to Seattle, it would cost me 12,000 miles to fly from Seattle, WA. to Raleigh, NC. With Capital One, since the ticket costs about $370, it would cost me 37,000 miles (370x100). That is about 3 times the miles in comparison making by capital one giving the customer about one third a mile per $1 spent not 2miles!

The sad thing is that my wife and I have been saving our miles for about 2 years thinking our air fare would be covered, but we can't even go one way on our 58,000 miles!Desired Settlement: I guess Capital One's policy is what it is! But I feel that if they are going to claim milage that milage should be based on what is claimed by other credit card companies. Capital One clearly is not! My desire is that they straighten up their ads on milage so that they do not deceive others as they have us. Atleast state that there are distinct deferences between their milage plan with other card carrying companies

An apology would be nice.

Business

Response:

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

Consumer

Response:

They didn't address the problem but skiped over it as usual at least by my experience. It took me 4 or 5 times to get Capital One to mail to us a hard copy of our monthly statement. Their reply to this problem simply stated that I knew their policy which I acknowage. Exactly what I found out when I tried to use their rewards. That's why I complained in the first place. My complaint is why do they advertize DOUBLE the miles for each dollar spent when actually it takes TRIPLE the points to travel the same distance as othetr mileage plans require. For example it takes 12,500 miles to travel from Seattle to Raliegh where my daughter lives on other plans but with Capital One it takes [redacted] miles with Capital One. Over 3 times the amount! ThereFore Capital One is false advertizing by saying twice the miles. Capital One did call me. I explained to them my problem with them. The Lady I talked to said THEY DID NOT LOOK into other plans when they set their milage but she would look into it and give me a call back. But true to the Capital One did not give me a call back!

Review: I submitted a $3000 check to a dealership, for a car, and then found out the car had numerous problems. I called the bank the next day, Saturday, to put a stop payment on the check 5/17. [redacted] at Capital One told me that it would be stopped, and that even if my check went thru, I would still get the money back subsequently, from the bank. I checked on that refund Monday and Tuesday, and 2 bank employees told me that the money/refund would be in my account at midnight that evening. [redacted], an account manager then told me that [redacted] had processed the SP wrong, and now my account was in the negative. She said the only thing I could do was go file a claim in a branch, against the dealer and attempt to recoup my $ that way. [redacted] told me the same thing, and worked with me on the claim - she said I had a good case, and we could work together to fight the dealer, since he had the car back and that did not look good for him. However, the dealership was unresponsive - [redacted] the owner was evasive. So then the bank said I had to go to small claims court to get my $3000.

The bank began to back off more and more and provide less help; they avoided responsibility, even though they knew they had messed up. I pursued the matter further, and spoke with an Executive Manager 6/23--i believe his name was [redacted]. He again avoided any blame, and indicated that the bank had done everything they said they would - and processed the check the only way they could; which was misleading and grossly insufficient. He did not even admit as much as the other Account Mgrs. in saying they made a mistake!Desired Settlement: I want the bank to give me $1000 for the hardship I had to go thru in purchasing that car. I had to go pay for the rest of the car, since I could not recoup my $3000. So I have a car that needs numerous repairs, and has cost me. The bank was negligent. I also want the bank to formally admit that they mishandled my case.

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.

[redacted] from the bank did not address the fact that her employee told me for certain that I would not have to worry about my check going thru. The employee whom I have referenced before, [redacted] I believe, told me that even if the transaction did go thru, the money would be returned to me. There must be some sort of provision for me regarding the error that the bank made and broken promises. Why have they extended no customer service here? They continue to deny any responsibility or fault in the matter, and that is despicable. Furthermore, I did not ask for $3000 back, but for $1000 since I have already paid for the car. The bank owes me something for the lies and trouble they put me thru.

Regards,

Review: I received an unsolicited credit card from Capital One alleging that I had applied for it.Complaint concerns: a Credit CardDesired Settlement: I have received a number of other unsolicited credit cards from other companies, and the [redacted] has opened an identity theft investigation on my behalf. I want all my information at Capital One to be deleted and for them to stop contacting me.

Business

Response:

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

Review: A few years ago during the recession I was in a financial hard place and as a result I contacted [redacted] (a consumer counseling agency) of Atlanta. They set my credit card accounts up on a debt management plan that included my Capital One credit card. They contacted Capital One and Capital One agreed to take the suggested payment amount as well as lower the interest rate on my account. For two years I dutifully paid this amount to [redacted] monthly as instructed. I was never late on the payments. I received statements from Capital One each month showing the new interest rate as well as the posted payment. I assumed that all was well. However,all was not well. It turned out that all the while that I was diligently paying my agreed upon payments to Capital One via [redacted] Capital One was in turn taking the payment and then reporting to the three major credit bureaus every month that my payment had not been made. Furthermore, they eventually charged the account off. All of this was without one word to me from either Capital One or [redacted]. I had no idea that this was happening. I called [redacted] to inquire about the situation and they in turn called Capital One. Capital One told them that although they did agree to take the payment amount and lower the interest rate they did not say that they would not count the difference between what I paid and the original amount due (prior to the [redacted] arrangement) as being current. Another words, they agreed upon a payment of a certain amount, lowered the interest rate to accommodate that payment amount, and then turned around and reported it to the credit bureaus as if none of this had taken place. I then called Capital One myself and was told the exact same thing. "Yes, we agreed to take your payment amount and lower the interest rate and then report it to the credit bureaus as a default and charge off." I continued to pay Capital One through [redacted] until I had satisfied the original amount on my credit card. To this day it is still being reported on the credit bureaus as being late every month and as a charge off. It also shows a balance of $1086.80 which I am assuming is added interest and fees. I called Capital One again this week to try to deal with the situation but was again informed that they took my money as agreed and yet turned around and reported it as if I had not paid it. When I asked why they would do that one customer service rep stated that "If we can get your money we are going to take it."

I have asked the customer service reps and a supervisor that I spoke to to remove this inaccurate information from my credit reports. They have all refused. I even agreed to pay the bogus fees and interest that have been added while I was making payments in return for them removing the incorrect information off of my credit and although they agreed to take my money at 50 cents on the dollar they again refused to correct the obviously blatant incorrect information on my credit reports.

As you can imagine I am beyond frustrated. I feel that I did what was asked of me per the agreement with [redacted] and Capital One but instead of helping my financial situation it has only hurt it. Had I been told by either Capital One or [redacted] that my money would be taken but that it would devastate my credit I would have never agreed to it. I was misled by both [redacted] and Capital One. Both should have informed me that this would happen but neither did. I found it out on my own. I have documentation to show that my statements are correct.Complaint concerns: a Credit CardDesired Settlement: I want the negative information that Capital One has reported to the 3 credit bureaus deleted and reported as paid on time because I did pay them on time. I want the "charge off" corrected and my account information to reflect the payments that I made that Capital One agreed to.

Business

Response:

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

Review: I have an auto loan with this company . My payments are automatically taken out of my checking account twice a month The 17th and 28th. My payment was suppose to be taken out of my checking account on February 27th I have enough money in my checking account . I have over 1000.00 my payment is only 96.40 instead of them taking the money out of my checking account they made my account 10 days late and charged 192.60 in late fees.Desired Settlement: DesiredSettlementID: Refund

I want the late fees removed from my account

Business

Response:

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

Review: I have called during normal business hours atleast 15 times in the past week to request a front and back scanned copy of my lease to be faxed. I spoke to a representative last week who assured me it would be faxed next business day. It never came. I just tried calling again and there offices are closed again. They are never open or I wait on hold for 30 minutes until there automated phone system kicks me off. I verbally confirmed the number read back to me was correct as well. Horrible customer service and they just shut off the phone system to save their metrics when it gets too busy / close for unknown reason.

Product_Or_Service: My loan lein is through them

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

Complete my original request. Fax a front and back copy to the number I provided in a timeley matter.

Business

Response:

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

Review: I had a secured credit card with capital one. I have been making payment arrangements with capital one who says on their website - if you need several months to make your payment - call us we can help. I have called and made payment arrangements - three payments at a time for the last month or so. at no time did they say my card was going to be closed. I even had three payment arrangements for the 28th, September 11, and sept 25th $25 each. they said that they were making special payment arrangements and late payments and over the limit charges would not be charged to help me catch up. I called two days ago to change one of my payments from the 28th to the 31st of august and they said that my account was closed. this has caused me great harm as I was relying on this credit card to help me rebuild my credit so I can purchase a house. now it is closed like a charge off on my credit report. closed - and reported as a negative account which hurts my credit score. I am upset because if someone would had told me that the $25 payment arrangements were not sufficient enough and that I needed to make at least this much by this date, I would have done whatever I could to make sure I had it paid. but when I made the $25 payment arrangements and no one said anything, I thought since I was making regular payments that my account was ok. someone should have said something to me instead of letting me believe that my payment arrangements were making a difference. now I have one more terrible mark on my credit report that hurts my score even more. instead of my plans to bring the balance down to 30 percent of the balance to help my credit improve, I am now worse than I was because I was not told the true status of my account over the many many payment arrangements I have been making.My complaint concerns: a Credit CardDesired Settlement: I want my credit card put back to active status so that I can make my payments and bring it current so that this card can help my credit instead of hurting my credit. I have a 2nd regular credit card that I have been making payment arrangements on as well. what is the status of this card? are you going to charge this off even though I am making payments?????? my card was closed when I had payment arrangements and have been making payments. I know all of the payments I have been making, I could not be as far behind as you say I was.

Business

Response:

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

Review: I opened two cards with capital one back in September/ august and was approved for the minimum amount on each card a quicksilver card with 300 dollar limit and a platinum card with a 500 limit as per the terms of the card if you make your first monthly payments on time you will be qualified for a credit limit increase. I had gotten a email that capital one had offered me the very minimum in crease on the 2 cards from 300-500 dollars on the one card and 500-800 on the other card. If I spend a few hundred dollars on my card it adversely affects my credit because the limits on my cards are so low that I jumps up my utilization. and for them to offer the miniumun increase is a joke. im trying to improve my credit but it isn't helping when my limits on both cards are so low. I tried to apply for another card a month later but capital one would not allow me to have more than 2 cards which is ridiculous. It would of helped lower my utilization as I only use a few hundred dollars in credit. I have always paid on time and pay more than the minimum payment. I am tired of using these cards because all they do is hurt my credit rather than helpDesired Settlement: consider a more reasonable credit limit increase as per terms top the agreement

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,

Capital one was supposed to manually review my request for a reasonable credit line increase but never followed up on they gave me an insulting 200 dollar increase on the one card. Im tired of having low limits on my car it affects my credit when I charge a few hundred dollars a month but by doing this because my limits are so low it jumps my utilization beyond 30 percent. They never contacted me or sent me any letter for there reasoning behind this minisucle limit increase I have made my payments on time and more than the minimum amount. If capital one does not increase the limits on my card I will pursue this matter either through a state agency or through a legal process. I want to use my quick silver car for the rewards but its hard to when the limit was so low capital one needs to respond to this complaint and if they do need to speak to me it needs to be don't via email only Modification/discontinuance of an advertised claimselectDesired Outcome: I wat to have credit limits of $1000.00 on each card

Review: I am 100% service connected disabled vet with PTSD. Routine is everything to me with this condition. It's how I live now. I am Terrified of telephones, which is part of the PTSD. I have a care giver that helps me with many things.

In late 2014, They changed their Website. This was how I made Payments, ONLINE. Somehow the new site would not recognize me so I missed a payment. I asked my Caregiver the next month to call with my info and credit card to make the payment. They would not take payment because the caregivers name was not on the card. (BS). My account, My card, but they wouldn't take it because she was on the phone instead of me. (2 months behind now). I went to the bank and got my caregiver a card with her name on it. I thought my Problem was solved. In apr/may 2015 time frame, we ran into another problem, The call was made to pay, everything was done on my end but the payment was not pulled. I have no Idea why. Now they are refusing to take payments from my caretaker, insisting on TALKING TO ME ON THE TELEPHONE. That's not going to happen. I have struggled to do the right thing and this company, I don't know what to say about them. Have they heard of the [redacted] I invite them to look it up.My complaint concerns: an Auto LoanDesired Settlement: 1. Place the 3 missed payments on the end of the loan.

2. Correct the information being sent to the credit b's.

3. Return any late payment fees

4. Quit asking to speak to me on the Telephone.

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,

First of all these people do not understand PTSD. I asked them to educate themselves by visiting the [redacted] It would at the very least give us some common ground. My care giver and I made payments on their WEB site until they Updated/change their site. From the update/change until present we could no long gain access to Make payments. Capital One response was to make the payment another way. (PTSD) makes that hard for me and when my care giver and I resolved the second method of payment as a call to make Payment, Capital One refused to take the Payments by phone, (I wasn't in Texas until January 2015). She could make payments with my card on the internet but not by voice. Is something WRONG with this picture? I am receiving treatment at Houston's VA Medical Center, and that was the reason for the move. The cost of living here is at least 20% higher than where I lived. There is no way to catch up on the payments that were REFUSED. I again request that the payments Missed be placed at the end of the loan and to stop pinging my credit report. I have tried to sell the Vehicle to a dealership but they won't touch it because of the late payment, being the value is exactly what's owed on it. I tried to move into a single home but the same thing applies. I wish I didn't have these problems but I'm working on them. I do my best with what I have but some hurdles take time to resolve.

Thank you.

Review: When I initiated my loan process I stated to the loan officer that I wished to pay my loan every two weeks in order to pay my loan off quicker and pay less in interest. At the time that I stated this the loan officer never said it wasn't an option and continued on with the loan process. Capital One has a recording of me stating my wishes. Capital one has refused to allow me to pay my loan every two weeks and they also refused my request to be reimbursed my closing costs and appraisal fee.My complaint concerns: a Home LoanDesired Settlement: I would like capital one to honor my request to pay my loan every two weeks or reimburse me all fees associated with my loan.

Business

Response:

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

Review: In January of 2016 I was e-mailed by Capital One to provide feedback about their service and give an online review of my experience using their credit card. Also to provide information about the service I have received from them over the many years I've had their credit card. I thought this would be the perfect opportunity to give an honest review of their service and product. I was sadly mistaken. The review I wrote was brief and did not contain any foul language, defamation, or other rude commentary. I wrote exactly about the experience I have had with Capital One over the years, which has not been a good one at all. Apparently my review got moderated because Capital One cannot handle negative criticism about their service. Here is the excerpt from the review they refused to post:

"I thought this would be the perfect card to get to rebuild my credit, and I also knew that it wouldn't happen overnight. Alas I've had this card for nearly 5 years now and they've never increased my credit limit above $300, which makes it impossible to make any large or even medium sized purchases. I have requested credit limit increases, but Capital One refuses to do one manually and always insists I wait for the semi-annual automated system to decide whether or not I'm eligible for a credit increase.As I said, it's 5 years later, I've never missed a bill, in fact most times I have my balance paid in full because it's such a low limit. The credit limit issue coupled with the $79 annual fee, which is ridiculous given the insane interest I'm being charged on top of it. To put the icing on the cake, even if you want to make a bigger purchase than $300 and you put an extra $700 on your card to make a $1000 purchase - guess what - you can't! Capital One will only let you use $300 (or whatever your credit limit is) a maximum of once every 48 hours, so that extra $700 you put on to make a purchase, ISN'T EVEN USABLE!"

I was being honest and they refused to post this, likely to not look bad.My complaint concerns: a Credit CardDesired Settlement: I want them to post the review THEY requested me to write about the service I received from them over the duration of having their credit card and dealing with their customer service - which is horrible. As far as I'm aware under the Consumer Protection Act, consumers have the RIGHT to access information about products and services they may be interested in. It is the consumer's RIGHT to be informed and Capital One is curtailing this by purposely refusing to post reviews that contain pertinent information consumers could use to make an informed decision about whether or not to subscribe/purchase their product/service. This is also censorship, which I think it's illegal to censor someone with an opinion, especially related to a product. I will not be satisfied unless Capital One is pressed to post my full review that they requested.

Business

Response:

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

Review: I emailed Capital One stating I am trying to locate to which collection agency they forwarded my debt to. In the email I stated that I wanted this information in writing. Their reply was a genetic response stating due to security reasons they could not release this information via email and a number to call to speak to a Capital One Representative. The number in fact turned out to be [redacted] Agency. While I spoke to a nice person named [redacted] and was told he will forward me information [redacted] has on file. I emailed Capital One back five times stating I wanted the information directly from Capital One who currently owns my debt and which collection to contact IN WRITING. I stated in the email I understand the security issues to please mail the requested information to the US Postal mailing address they have on file for me. They refused replying with the security unsecured email nonsense. Not acknowledging my response for it to be mail to my address they have on file to me...the same address they do not have issues sending me monthly bill for another account I have with the company.Desired Settlement: I would like Capital One to send me in writing whether it is via email or the US Postal mailing address they have on file for me the following information:The name of the collections agency that owns my debt. Their contact information. The totally amount owed and the date it was sent to collections. Again I want this information in writing. I am trying very hard to get my finances in order. I just want to make sure I am paying the correct agency.

Business

Response:

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

Review: We made some charges that were flagged as a fraud alert and denied. We called up to resolve the issue and both my wife and I provided all the information requested, and the customer service representative confirmed our issue was resolved and we could use the card to place the purchases again. We were then notified soon after that our account was terminated. When we called to inquire as to what happened, I provided my card number, date of birth, and last four digits of my social security number, and then I was abruptly told, "no one at Capital One can help you." When I inquired regarding whether my recent purchases went through, the same statement was repeated. When I asked who cancelled my account, the same statement was repeated. When I asked when my check for the rewards dollars owed me would arrive, I was told they were "forfeited." I have been a loyal customer to Capital One for several years - never made a late payment. I don't understand what happened. Product_Or_Service: Capital One Credit Card, [redacted] Signatur Account_Number: [redacted], ExDesired Settlement: DesiredSettlementID: Refund We would like our $144 of rewards dollars refunded.

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 is satisfactory to me. The business has performed this action and I consider this complaint resolved. (If the company does not perform as promised I can get back to you at: [email protected].)

Review: My accounts were closed by Capitalone and I was advised that I had a 0 balance on all 4 of my cards. I received a notice stating I owed $85.95 for a re-bill and fees.Desired Settlement: I want Captialone to honor the 0 balance agreement and to be sure that nothing negative is being reported to the credit bureaus as I have 100% on time payments.

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: As the owner of the property [redacted], a week ago, I received a credit card statement of [redacted] with the credit card number "[redacted]". I called the Capital One Company and was directed to file the complaint with the Revdex.com. Since that event, I felt depressed and had recurring nightmare about credit card companies asking me for payment of someone else living in another continent. With the understanding that their customer representative might be discriminating against Asian due to the news or any other reason, I understood that no one there was going to resolve the potential identity fraud issue for me. I am just surprised to learn that the credit card company approved the credit card application for Leonard without investigating the information related to the mailing address, acquiring the approval from the property owners or tenants. Since my son was an Air Force and Air National Guard veteran of 14 years, I felt that this complaint might also be related to veterans and their family members.

Product_Or_Service: Capital One Bank Credit CardDesired Settlement: DesiredSettlementID: Other (requires explanation)

The solution of this complaint I am seeking is that the Capital One Bank or its designee letting me know why the credit card approval form of [redacted] can be approved with the false mailing address. In addition, the bank needed to stop Leonard from using any of the financial product using that property address. Then, in the future five years, I should have the right to file lawsuit against the bank for letting [redacted] to ruin my credit

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]

Regards,

Review: Capital one has shown a total lack of common sense,I bought a hover board on [redacted],it caught fire,The seller refused all attempts to communicate or resolve,I contacted capital one for resoultion,they gave me a credit,then 60 days removed it and billed me,they have shown and demonstrated a total lack of common sense,I demand a refund,the product caught fire,damaged my home,They can have seller make arrangements to have it picked up,no common carrier will handle this has mat item,it's banned on commercial carriers,I am just taken back at the hard nose approach with me I am nearly 70 years old a retired combat army vet and will not let Capital one take advantage of me over [redacted] ,another big company,thank you for your helpMy complaint concerns: OtherDesired Settlement: They can have this picked up ,and full credit to my acct

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: In August 2015, [redacted] made an unauthorized charge on my business credit card that I do not normally use so I had no statements coming from Capital One. Capital One paperless statement system at this time was apparently not sending me out emails due to apparent presence of incomplete email verification that was (according to one of the customer service representatives at Capital One) due to Capital One website update.

Capital One never sent the statement that contained the unauthorized charge by [redacted] and the payment of around $18.30 was missed. Next month, during a routine log-in, I discovered that normally zero balance was changed to reflect [redacted] charges as well as a late payment and interest. I contacted Capital One to prompt them about the statement email issue and they confirmed the error and agreed to fully credit all interest charges and fees.

A few months after, while I was checking my personal credit, I discovered that Capital one has reported a 30-day late payment to all credit agencies that caused my credit score to drop from above 800 to around 760. I contacted Capital One to correct this error with credit agencies since the report they have made to credit agencies was inherently inaccurate. The charge was unauthorized, statement was not sent due to system problems at Capital One, and the late fees and interest was removed due to the above errors. Capital One refused to report to credit agencies that the 30-day late payment was due to their error and not mine.My complaint concerns: a Credit CardDesired Settlement: I request that Capital One revise the September 2015 statement as fully paid, since the charge was unauthorized and the statement was never sent due to system problems at Capital One, and the late fees and interest was removed due to the above errors. I was never responsible for any of the charge that occurred in August 2015 on this Capital One account and therefore cannot be held responsible for the resulting late payment record. I further request that Capital One contact all consumer and business credit agencies to dispute the credit record, report that the late payment was in their error, and request all credit agencies to change credit record from 30-day late to OK status.

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,