Capital One Financial Corporation

Review: It started it months ago of which I received several transactions but because of my work not depositing the amount into the account on time, those transactions have failed to come through,therefore, according to them, my account will be close if another failed tranactions go through. On 22nd of Sept, 2013, I was in the process of transferring over $100 into my checking accout when I received a unauthorized charge that was on my [redacted] account and it attempted to process through to my checking account. I contacted Capital One 360 regarding this issue, and my account was noted about it. Day after, the transaction preceded through and I received a message stating my account will be close in 30 days. Yes, I am aware if I get another failed transaction, but the issue is this was an unauthorized transaction, of which [redacted] can also confirm on my behalf and stated to me that any amount taken wouldve been refunded.Desired Settlement: I would like Capital One 360 to stop the cancellation on my account and give me a final chance. It would NOT be fair to close my account due to an unauthorized charge, and would violate my rights as a consumer.

Business

Response:

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

Review: I was a cosigner on a capital one credit card with my husband, and the credit card was included in a chapter 13 bankruptcy repayment plan. Capital One is aware of this, but they will not update my credit because they said their policy is to do this at the conclusion of bankruptcy(which is in 5 years). I have asked multiple times for this debt to be reflected in the bankruptcy because my bankruptcy was confirmed last year with the US bankruptcy court and all of our creditors.Desired Settlement: I want my credit and my husbands credit updated because it is currently showing a delinquent balance of $1227.

Business

Response:

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

Review: In November 2008, this company Charged Off my account balance of $4246 and reported this charge off to the [redacted]. As a result, the [redacted] considered this debt forgiven and charged me taxes and penalties based on this forgiven debt. Meanwhile Capital One has continued to charge interest on this account, reporting a current past due balance of $8059 to the credit agencies. As the debt was forgiven, reported to the [redacted] as such, and as the statute of limitations on this debt has past, I contend that to continue to accrue interest on this account is both inaccurate and illegal. I have twice disputed this information with the credit agencies, yet Capital One continues to confirm this information as accurate.Desired Settlement: I am requesting that Capital One adjust the High Balance noted on my credit report to the $4246 balance at the time of the charge-off, and that any mention of a current past-due amount be deleted from my credit files.

Business

Response:

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

Review: Capital One Bank USA has erroneously reported an account to my credit reporting bureaus with no notification to me either before, or after the reporting, by either phone or mail.Desired Settlement: DesiredSettlementID: Other (requires explanation) Removal of said account from any AND all credit reporting bureaus ie. Experian, Equifax, TransUnion etc. with no possibility of re-posting at any time after removal.

Business

Response:

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

Review: Capital One has failed to refund me $175 from a company ([redacted]) that did not provide services. [redacted] agrees that I am owed the refund and claims that they did refund me, but the money was never credited to my account. I have spoken to Capital One on several occasions and they claim there is nothing they can do. However, Capital One and the owner of [redacted] were on a conference call and all parties agreed to refund the money. I have also filed a complaint with [redacted] and was not satisfied with their response.Desired Settlement: $175 credit to my Capital One credit card.

Business

Response:

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

Review: I [redacted] got into serious financial problems and several years ago I was not able to make any payments on account #[redacted]... I explained that to all credit card companies and I attempted to make small payments but was denied that request. I made payment arrangements with the collection company that bought out this debt, but yet Capital one continues to get into Credit Report dispute battles with me over a debt, that was already paid to them after they ruled it a charge off and sold it off to Portfolio Recovery. I am very sorry for all the trouble I caused over this account, It was never in my plans to go unemployed during that 2010 year and no one was willing to work with me. Thank You in advance for taking care of this matter and again I am very sorry. If I owe anything else, please send me any and all information please, thank You for being understanding.Desired Settlement: I am requesting that this account #[redacted] to be removed/deleted from my credit reports. Thank You in advance if the necessary changes were made...

Business

Response:

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

Review: In 2008 I paid this company off through a debt consolidation loan through my employer. A letter was sent with the payoff from my bank authorizing the payoff and closing of the account. The balance paid to them during this time aligned with what was reporting with the credit bureau at the time as well. About 6 months later I was hospitalized due to pregnancy and had moved, not hearing anything from this company all this time. Some time during me being in the hospital they had sent a bill to me and my husband paid them $10 to satisfy them not knowing that we didnt owe them anything as they had already been paid in full. Once I found out they were still on my credit report showing that I still owed them a balance, 2 years and 2 pregnancies later, I called customer service to try and resolve this issue. At that time I got a very unpleasant rep who called me a liar after I told him I had been pregnant for 2 yrs and had not noticed that they were still saying I owed them money. We got into a very heated conversation because he just kept saying I was a liar about my own life. I work in the finance industry and customer service is a huge part of that. Their employee for sure needs some guidance. I have disputed this item for quite some time now and have gotten nowhere. I need this removed from my credit bureau as they have been paid off since 2008, they're the only thing hurting my good credit standing and i'm ready to take this to the next level to get this fixed. it's sad that it's over a measly $500, which after they charged interest and late fees they're now reporting over $1000 which still is a very small amt in the realm of the real world. This needs removed immediately.Desired Settlement: This needs removed from my credit bureaus 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 have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I was in the hospital in January 09, then credit limit on that account maxed at $500, even if I had been making purchases on the account which I do not recall, I have attempted to contact this company many times in attempt to get this cleared up. The balance they're reporting to credit bureaus is in extreme excess of the Amt of credit available. The company should have been able to get this figured out with me years ago.

Regards,

Review: Capital one bank is inaccurately reporting to [redacted]. A debt owed has been paid since 2/18/2009 and it is still being reported as not paid. I want it removed from [redacted]. When I called the bank and asked them to do it, they informed me that I had to call [redacted] and have them do it. [redacted] then informed me that the bank had to do it. Conflicting information has been given to me. Furthermore, my husband who is also listed on the account has no record with [redacted], it has only affected me.Desired Settlement: I want the inaccurate information removed from [redacted].

Business

Response:

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

Review: I have written more than three certified letters to the above specified Co. who put incorrect information based on the amount of money they claimed I owed on the credit card they issued. Even though, I strongly disagreed and disputed for the long time that I would not pay till they bring or send the evidence of my use of this credit card for purchase. They failed to provide me the detail of purchases or statements for my use. I finally made the payments just to get rid off this claim so it doesn't affect my credit. I went ahead and paid in installment every penny they asked for, yet I haven't got any justice to present me with any kind of statement for the amount they claimed as a total of $1394 and also their unwillingness to get this out of my record. Just because it still on my record, my credit score us well as my credit worthiness is highly affecting me. Please help me by asking them to provide me with the full detail of my purchase statements.Thank you,

Product_Or_Service: unknown

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

I want to have the evidences so I can present to the credit bureaus to correct the errors that affected my score and my credit worthiness.

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,

The party who represented Capital One insisted to call and discus the matter over the phone but I refused to communicate over the phone rather I wrote letter that I would like to see all the evidences in papers and correspondences on a written letters only. I also provided the requested information to the party to help him investigate this matter further.

Review: Several weeks ago I called Capital One service department regarding the hard credit inquiries which I did not authorize and was told that they will be deleted shortly. However, today I checked my Equifax,Transunion and Experian credit reports and the disputed inquiries are still there. Please have the credit bureaus delete them asap. The date of the inquiries with all 3 bureaus is Sep 4, 2013.

My SSC number is [redacted] , home address is [redacted] and my dob is Oct 24, 1967.

Regards, [redacted]Desired Settlement: Delete the disputed inquiries 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 have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

The reason why I am not satisfied with the business's response is that they have not provided any evidence or any kind of detail regarding my alleged application for credit with them and just claimed that it is "valid". Please ask them to provide competent evidence of my alleged application for credit with them.

Regards,

Review: I have been in contact with [redacted] with Captial One Executive office and did not get any where on this matter.

Capital One was reporting at the time 3 out 4 accounts that were showing 30 days late on my credit reports.

After tracking down why, it was linked to not receiving paper statements as well as I had to log into several accounts to find out the balances.

With me assuming they were paid off I never thought of needing to log into them. [redacted] failed to resolve this matter.

Also, I am still not receivng ANY paper statements.

[redacted] talks like she is willing to help, but she has cause more headache than resolutions.

Of the one account that was not orginally questioned, there was no late payment of the initial inquiry listed with my credit reports, now as of today it has now appeared for the month of September.

As you can see this inaccurate reporting falls under the FCRA and will be more than happy to escalate it with government agencies.

I have no issues of closing my accounts and taking my business elsewhere.Complaint concerns: a Credit CardDesired Settlement: I require ALL late payments to be removed from ALL my credit reports

Paper statements FOR ALL accounts (3rd request)

Combine ALL accounts under ONE login (3rd request)

A letter of apology from [redacted]

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 10391855, 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.]

Review: Hello,(for being a client for this long of time I did not ecspect this) on Feb. 10th. 2015 I call capital one at 800-955-7070 and spoke to operater she transfered me over to man called [redacted] witch I spoke to about my credit card ending in [redacted] having a late payment DEC. 2010 show up on credit report. told [redacted] about 2 years ago I talked to Capital One about this issue was told it would be fixed and cleared up. Well I see now it was not done. I told [redacted] the information and for he to clear it up like I was promised about 2 years ago. “The company stated it was illegal to delete the derogatory marks (late payments) on my account and according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act.” Because of their violation of the FCRA, and illegal statement I am requesting that they remove or delete the late payments on my Capital One credit card account.” I will be asking for monetary damages because they said they would delete it and now will not.Complaint concerns: a Credit CardDesired Settlement: For late payments take off as I was told about two years ago, monetary damages

Business

Response:

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

Review: Capital One Reference number: [redacted] The purpose of this complaint is to outline my inability to resolve a simple request with Capital One Services, LLC.

A few years ago I had a credit card with Capital One Services, LLC (card number ends in [redacted]. I wrote customer service numerous letters a few months ago requesting the last 12 months of payment history prior to the closure of this account under the Fair And Accurate Transactions Act of 2003.

Capital One has never sent me the requested last twelve months of payment history.

Instead they have informed me that the account has been transferred to another company.

They have also falsely claimed that I have disputed the account with them which is not true.

I have written numerous letters to them and they either say they no longer service this account or that …”We’ve verified that the information on your credit report matches the information in our records.”

I have again requested the last 12 months of payment history and if they are unable to send those records to me then they need to simply state that and they need to inform the credit bureaus that they contacted erroneously that there is no current dispute.Desired Settlement: I am requesting the last 12 months payment history for account number ending in xxxxxx[redacted].

If Capital One is NO LONGER able to provide that information then I want to have a letter stating

this sent to me.

Finally, there is NO dispute on my part with any third party such as the credit bureaus and/or the current

servicer of this account. Since Capital One has falsely indicated a dispute then they need to correct that error

with the parties they sent the false information to and send me a copy of the letter and/or email correcting the

record.

Thank You

Business

Response:

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

Review: They have INCORRECTLY applied CHECKS WITH INSTRUCTION letter INCLUDED to be applied to PRINCIPAL PAYMENT ONLY. Instead they apply as regular payments and keep taking interest. Their excuse is "Well that is just our processing center. They can do it wrong sometimes." WOW! Way to go for taking responsibility and I have to BABYSIT my transactions. If you call in to apply a PRINCIPAL ONLY payment...they send you an EMAIL that doesn't state EXACTLY WHAT the payment is for and you are left with nothing but HOPE that they apply it correctly. RIDICULOUS and unethical. They are applying my EXTRA PAYMENT-PRINCIPAL ONLY payments INCORRECTLY every time. I want a RECEIPT for their over the phone billing option to be correct and stating EXACTLY what business was conducted over the phone.Complaint concerns: an Auto LoanDesired Settlement: I want a FULL report of ALL transactions EVER processed on my account. I want a letter from them stating that they COMPLY with the fair credit act.

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.

Review: About a month ago I received an offer to upgrade my current Capital One card to the VentureOne card. I have been a Capital One customer for approximately 5 years. I have never made a late payment and I have a zero balance on my account right now. I also have outstanding credit (750+). I of course wanted to upgrade to the card since it is a great rewards card. I was also under the impression that in upgrading to the VentureOne card I would receive the introductory offer of receiving 20,000 bonus miles when you spend $1,000 in the first 3 months of having the card. My wife and I are planning a trip to the Carribean in January so this offer appealed to me especially. However, when I received the card, I checked my account and noticed that there were no special offers attached to my account. After contacting their customer service department they informed me that since they upgraded my account as a "courtesy" to me for being a good customer, I did not in turn qualify for this special offer. I asked the customer service representative and she told me that there was no way she could include this offer on my account but that I was welcome to apply for another account in order to receive the introductory offer. Why would I want to have multiple Capital One accounts open? And why would I want a hard inquiry on my credit if I don't need to have that? Why couldn't Capital One simply add the introductory rewards offer to my account as a reward for being a good, loyal customer. I was always under the impression that when you had these higher level cards, they went out of their way to provide you with excellent customer service. This is not what I expected.My complaint concerns: a Credit CardDesired Settlement: Please add the VentureOne introductory rewards offer to my account.

Business

Response:

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

Review: On 09/07/2014, CAP ONE generated a hard inquiry on my credit report with Experian and TransUnion. Several calls and letters were sent to Capital One to provide me with further information to determine who gave them permission to review my credit report with Experian and TransUnion. All attempts have failed.My complaint concerns: OtherDesired Settlement: I will request to have Capital One removed the hard inquiry on my credit report on 09/07/2014 with Experian and Equifax.

Business

Response:

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

Review: I set up my August payment for 8/7/15 and for some reason the system did not process it. I was charged a $25.00 late fee and never notified about the payment not being processed. I don't feel I should be responsible for a problem with their system.My complaint concerns: a Credit CardDesired Settlement: I would like the $25.00 fee removed.

Business

Response:

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

Review: Credit card paid in full months ago. I have called and requested my account to be closed several times without response. As I've been away for some time and didn't have access to my mail, I realize they've sent bills for fees I should not have accrued considering I requested my account to be closed several times. I also now have a delinquent reporting on my credit report.My complaint concerns: a Credit CardDesired Settlement: I would like the fees to be deducted and my credit report to be updated to reflect my request to close the account.

Business

Response:

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

Review: There where charges made to the account from a glacier payments company that I did not make, the charges where disputed by me, after capital ones investigation I know owe all charges related plus late charges tacked on. I don't think I should pay for something I did not order.My complaint concerns: a Credit CardDesired Settlement: not to be charged for something I didn't order with tacked on late charges and fees.

Business

Response:

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

Review: I have a credit card with capital one.

My statement for august and September of 2015 were sent to wrong e mail address due to which I missed those payments. I was alerted by the credit bureaus and called capital one. They had made an error and sent my statements to a wrong email address. The error was corrected and my late fees were reversed and was promised that that there wouldn't be any payments reported to the bureaus since the statements were sent to the wrong email. I was told, however, that it would take the bureaus from 30 to sixty days to correct the late payment history to never late status.I just checked my report today and it is still being reported as 30 days late in September 2015.Desired Settlement: I want my credit card to be reported to the credit bureaus as never late according to the promise from capital one as I had not received statement for that month.Thanks

Business

Response:

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