Capital One Financial Corporation

Review: I called you fraud department to complain about charges for cash advances .After several calls the people told me that several cash advances had been made 1 from july 2015 for 28 dollars another for 8 dollars who gets these amounts and both were made at the same location. In 2009 2000 cash advance I NEVER HAD A PIN I asked for this information to be sent to me and it has been 2 weeks every time I call the fraud department they say that they cant hear me and to call back well its has been 2 weeks and 12 calls and still no informationMy complaint concerns: OtherDesired Settlement: remove all these charges and refund all changes paid in the last several years

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,

I want to thank capital one for its quick response. The fact that they said documentation was sent and never received by me more than 30 day later, has lead me to file a formal ROI (REQUEST FOR INVESGATION) with the [redacted]. As I have not received these documents I request that they now be sent to me. Second I was informed by a capital one rep that the other two incidents and I do not have proof. Again as it was a company rep. that advised me I suggest that the information is in there possession.

Review: Capital One has charged me over $300 worth of NSF fees due to multiple transactions from companies that I have requested to not auto draft from my account. Capital One should not have allowed these funds to go through, considering I did not have them and have not authorized overdraft. I have been a loyal customer of Capital One for several years having my checking and credit cards with them and had recommended them to my family who subsequently opened accounts with them. When I tried to call customer service to get assistance they were not helpful even though I explained to them I had been without income for 4 months due to unemployment and had tried to negotiate with these companies.Desired Settlement: I would like this complaint escalated to upper level management and to see these fees refunded. I am a longtime customer of Capital One. My family and I were relying on the funds that Capital One deducted in NSF fees especially considering that I was unemployed for an extended period of time and I would appreciate them looking into what they can do.

Business

Response:

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

Consumer

Response:

Please forward my response to Capital One. Although I am accepting the offer, because they are refusing to refund any thing beyond this.Please forward this message as I wish to notify Capital One, that they have lost me as a loyal/long time customer, and in the near future I intend to close all business that I have involved with Capital One- credit cards, checking, etc., and I will no longer recommend them. I do not expect them to care, as they have shown me in this situation that they could not care less about their customers.

Regards,

Review: I redeemed [redacted] points for a $[redacted] gift card on April 9, 2016. As of May 22, 2016, I have not received my gift card in the mail. I contacted them online, the man refused told me they sent the card but refused to tell me when it was shipped but to call the rewards number. I called them and after I have verified all of my information, they hang up on me.My complaint concerns: a Credit CardDesired Settlement: I would like my $100 gift card that is owed to me. The people I have contacted were not helpful.

Business

Response:

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

Review: I attempted to speak at capitol one pay my bill and have late fees removed because I made a request change my due date from 8 to 12 th

the cards ending in [redacted] & [redacted] I suppossed a change in due date from 8th to 12th. no one wanted to assist me in removing the late fees. J[redacted]Desired Settlement: have late fees removed for month of June 2 credit cards ending in [redacted] & [redacted]

Business

Response:

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

Review: I want to lodge a complaint about Capital One and how the ball was dropped on credit card fraud that could of been prevented.

On Friday Feb 12th 2016. I received notification by email that my current available balance was below 500.00 and that I should make a payment to free up some of my credit line. This came as a shock to me as I had just been in the account earlier in the day and there was 8,000+ available credit.. I went into my account and Io and behold there are 10 Fraudulent charges on my card that has nearly wiped out my available credit. How does this happen? Why were these charges not flagged after the first charge and a stop put to my card before the perpetrator was able to charge my card 9 more times to the tune of almost 8 grand? I have had this card for years and have never had this issue. My normal charges certainly do not reflect this type of activity. Now I am without any credit line. I have recurring payments on this card that I will now have to stop and I won't be able to use this card for at the very least 30 days. This is also going to hit my credit showing that I am using the majority of my cards credit line and in turn bring my credit score down. This has put me at a great inconvenience and I am very disappointed in the level of security within Capital One.My 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: Capital one continues to add on cash advance charges when the card was canceled in 2009.The original advance was $300 now its up to $746, I agreed to continue payment even when I had no access to the card. No one wants to discuss this problem with me.Desired Settlement: Correct Problem

Business

Response:

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

Review: I made a large payment on my account in the amount of $573.06 on October 3rd, 2013 via the Capital One website. The funds cleared my bank account on October 4th. When I checked my online access on October 6th, it still said I had no credit available and it still required me to make a $25.00 payment for the month of October. The first representative said that they put a hold on my account and that it would be removed by the 10th. After I explained that a hold has never been put on my account, she was kind enough to release the funds since I told her the money has already cleared my account. When I asked about my next $25.00 payment being due, she said that I still had to pay it. I asked for a supervisor and she connected me to [redacted]. [redacted] tone was very harsh when she spoke to me. I explained to her that I shouldn't have to make another payment on October 28th. Her response was although I made a payment on October 3rd, it doesn't count. She then made a smart comment saying "next time you should make your payment on the 4th so you won't have to go through this again." I told her that I'm affected by the government shutdown and wanted to be proactive and make a payment while I could and she seemed un-phased about it. When I told her that I won't be making a payment on the 28th, she said that it's my perogative and that I would get hit with a late fee. I then asked her who her supervisor was and she wouldn't tell me. The only thing she said was that I could write a letter to the corporate office.Desired Settlement: I don't expect a refund because it's my responsibility to make payments on time. If my payment is due the 28th of each month and I make a payment on the 3rd of each month, then whatever amount I pay on the 3rd should be credited. Therefore, I should not be required to make another payment in October. In addition, I am owed an apology because of the way I was treated by management. No one from Capital One even noticed the fact that I made a large payment of $573.06. After this experience I'm starting to regret being a part of the Capital One family.

Business

Response:

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

I have a capital one unsecured credit card and have paid my payments on time and always more than the minimum due since I had the card 4/2016. I recently requested a credit line increase 2 days ago and I was denied because of a returned payment back in June. Now, I called in reference to this back in June before the payment was even returned and spoke with a representative while also placing through another payment for 700.00 (min due is only 25.00) The rep told me that there would be NO issues with my account and NOT TO WORRY. Now I received my denial letter today for an increase and the reasoning was because of the returned payment in June that I called and resolved in June and was informed I had nothing to worry about. I have also been requesting a credit increase on my secured credit card that I received in March 2015 and have been using it faithfully paying on time as well and I have yet to receive and increase for that card either. It gives you an option to request an increase for the secured card but it's ALWAYS denied and the reason is because you are not allowed to make a request for increase on a secured credit card. WHAT'S THE POINT IN TELLING ME TO REQUEST IT IF IT'S GOING TO BE DENIED ANYWAY??? Every rep I have spoken to has told me to do that, but it's a waste of time. No one can ever tell me when I will be able to even be considered for an increase on this card. It's ridiculous, I picked banking with capital one for a reason and this has definitely made me REGRET choosing them.

I recently applied for a Capital One secured credit card and was approved on 8/15 requiring a deposit. The deposit was made the same day and I was informed it would take 2-3 weeks to receive the card. My account was opened on 8/23. Based on standard banking practices the card would have been ordered shortly after opening account. I called on 8/29 and I was informed to allow 14 days from date of opening to received card. What I don't understand is why it would take 14 days to received the card (excluding any mail delays). The card had been ordered on 8/23 however had not been shipped. This either represent the need to streamlined the process and/or serious inefficiency with the process. What makes it worst is the Customer service specialist don't seem to be adequately trained to explain the delays/processing times.

Review: I have been a Capital One Card member for many years and I have 2 cards. Since I've had these cards I have never received a lower APR on my cards. Everytime I call in they give me some stupid excuse as to why they can't lower my rate and they never tell me the truth. My balances are very low and I've never had a late payment. Capital One borrows money at nothing and lends it out at 23%! That is predatory lending and I also intend to file a complaint with the CFPB.My complaint concerns: a Credit CardDesired Settlement: I want my APR lowered on both of my Capital One Cards like I deserve! Or I will cancel my accounts and pay off the small balances.

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.

Capital One has offered me NO RESOLUTION. They basically told me they don't care about me or my business. THEY ARE TOO BIG TO CARE! I will never do business with them again. No matter how low my balance is on my credit cards and even when I pay them off, they still refuse to lower my interest rate.

Regards,

Review: I have not had an active, valid Capital one Credit card since 2007. I have been getting several collection calls regarding a charge for some type of robotic device for around $1,000. The card used was either a MC or Visa Capital One card which I have not activated since 2007 and the card had expired. This clearly should not have been authorized. I have spent several hours speaking with people in several departments trying to get this resolved. I was informed twice that all my cards were not active and terminated. I was also assured that I did not owe any money on any Capital One cards and that this matter was not sent to a collection agency or reported to credit bureau.

I just recently received a phone call from Capital One regarding this charge despite all the previous conversations I have had with them. I cannot understand how this company can get its records so incorrect by so many employees.Complaint concerns: a Credit CardDesired Settlement: I would like Capital One to do the following:

1) Ensure that any and all current, past and future accounts be terminated

2) Ensure that I do not have any liabilities with and and all Capital One accounts.

3) Ensure that there are not outstanding issues with any Credit Bureau or collection companies regarding any and all Capital One accounts.

4) Ensure that I receive no more phone calls from Capital One.

5) Compensate me for all the time I spent trying to correct this matter that clearly was a Capital One error in the amount of $300.

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: Dear Sir / Madam,

I am complaining because Capital One has acted inappropriately in at least the following matters:

1.) Harassing me with emails, messages, letters, and debt collection efforts despite my numerous and explicit "cease and desist" letters.

2.) Capital One has refused to stop sending me unsolicited emails in violation of [redacted] Civil Code and has failed to acknowledge my requests for a resolution.

3.) Capital One's email mailing list provides no way for a consumer to opt out and is in violation of the [redacted] act.

4.) Capital One has not responded to my messages and requests for assistance.

5.) Et al.Complaint concerns: OtherDesired Settlement: I kindly request Capital One cease harassing me with letters, contact, email, and all other forms of contact. Furthermore, I wish for Capital One to produce a one-time explanation and apology of what has occurred and why they have failed to abide by my requests, consumer protection laws, state laws, and federal laws.

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.

This is not a duplicate case, this complaint has additional information and separate inquiries. I would like Capital One Financial Services to address my issues here.

Regards,

Review: I applied for a card on oct. 2, 2015. I was told that the money would come out of my account and I would receive a card in 7-10 days. The money was deducted on oct. 5. I called on the 15th, they told me to keep waiting a card was coming. They said it would be there by the 21st. I called on the 22nd as I had no card. They said they would send another card that would be there in 4-6 days. They said it would be here by the 27th. Today is the 28th and no card. They said to wait another 4-6 days.

I do not believe that they ever sent me a card. I think they took my money and are scamming me.

I asked to have my money returned into my bank account.

They said they only thing they could do was mail me a check in two weeks. I have waited over 3 weeks for a card that I believe they never sent, how can I trust them to send a check?

I think this is a scam.Desired Settlement: I either want to the money sent back into my bank account, or I want a card send via FEDEX overnight.

Business

Response:

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

Review: I had a credit card with [redacted]. They charged me my yearly fee in May 2013. They were purchased by Capital One. They moved my acct over to Capital one and it went smoothly until Capital One is now trying to charge me a yearly fee again in October 2013.Desired Settlement: All I want is them to aknowledge the fact that it is a bogus charge. the fact that they tried to do this should be illegal and I want it refunded as well as any over draft fees stemming from it.

Business

Response:

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

Review: I had a checking account with capital one 360. My friend/partner [redacted] was trying to get his checking account funded, while I was at work he used my phone to call capital one because there were apparent identity issues with his account. From what he told me he was getting asked ridiculous questions such as: Name any relative in your family, asking who I lived with at previous address, questions that they shouldn't know the answer to. I then get my checking account canceled because they apparently think that I, [redacted] was calling and trying to commit fraud on his account? They said that our voices sounded very similar...and as I explained to them that [redacted] is a transgender, I offered for them to talk to [redacted] and they literally refused to talk to me any further. I was getting treated like I was a criminal, they froze my bank account and told me they could send me my remains in a check in the mail which is absurd because literally all of my money was in that account. they didn't let me get my full amount out, and I asked the capital one person if this call was being monitored and he said it was not. However they are claiming that our voices sounded similar and can't go back on the call and listen? This is absolutely crazy that I am being accused of basically fraud and that they refuse to look into it.My complaint concerns: a Banking Account (Checking)Desired Settlement: I would like for them to re-instate my account as all of my direct deposit is set up with that. I don't want them canceling my account over false pretenses, and let that affect opening another bank account.

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.

I want nothing to do with capital one and they're sexist customer service line. I was treated like a criminal and that is absurd. I don't want anything from capital one but for people to know what a horrible business they are.

Regards,

Review: I obtained a secured (cash up front) credit card. I closed the account over 1 year ago and had an over $2500.00 that was supposed to be refunded to me via check. I have contacted Capital One "Customer Service" at least bi-weekly over the past 12 months and have been told that yes in fact I was entitled to the refund and was told to wait 2 billing cycles before I called back. Well it has been well over 2 billing cycles and have yet to receive my refund. I have spoken with numerous employees via telephone and have been assured "check is in the mail" on several occasion as recently as last week. However the check has never arrived. When I contact them again, it always, "we are sending out-check your mail in a few days". This is completely unacceptable and I feel my money is being "held hostage" due to no fault of my own.Desired Settlement: REFUND ASAP!

Business

Response:

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

Review: I currently hold two Credit cards with Capital one where I haven't received my statements for the last three months and as a result my accounts are being inaccurately not being being properly reported to the three major credit agencies. I made combined payments of almost 400 plus dollars to reinstate my accounts. One of my Credit cards unbeknownst to me was change however I never received the replacement. I discovered that a card was alledgly sent out but I never received. So I waited for a replacement for the new card and again I discovered that a card replacement was never sent out. I've received a new card replacement however on the old account negative reporting was left which should have been reported and corrected with new payment information. Before I filed a complaint with the Federal Trade commissioner and other agencies that take inacurrate reporting seriously I wanted to resolve this manner in a civil and peavceful manner.My complaint concerns: a Credit CardDesired Settlement: I want all negative reporting deleted off my accounts including and especially the account that was close due to Capital One never sending me the card they allegedly sent out. I shall continue to pay my accounts with as agreed. The inaccurate reporting is causing and impeading me from relocation to another residence.

Business

Response:

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

Review: They continue to report past due balance for january 2014, even though I have NEVER been late with a payment on the account ending in [redacted]. They sent me a letter stating my Credit Limit would be increased by 10th statement as long as I didn't miss any additional payments. When I contacted them to request the CLI I was declined due to the late payments they are now alleging occurred in Dec 2013 and Jan 2014. I have copies of bank statements proving that payments were made.Desired Settlement: I want the promised CLI of $500 and removal of the incorrect reporting from all 3 CRAs.

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.

If that was the case, why did I receive a letter stating that I had missed one of my Credit Steps but that as long as I made the remainder of my payments on time, I would receive my $500 credit limit by my 10th statement, which is due to cut tomorrow. When I call to inquire about why I didn't receive it, now it is that the account was past due once in the past 9 months.

Additionally, my husband has a secured card that he has had for 3 years with never a missed payment. We had been informed that it could transition to a non-secure card in the future. However, I have inquired 3 separate times about a CLI and its always declined as not available on this particular account. However, I see on the Credit Boards all the time where others with a secured card for less time than him have gotten one. Its starting to feel like we are being discriminated against for some reason.

I will take this up with the Attorney General's office in West Virginia.

Regards,

Review: This account was paid off and closed in 2010. It is showing on my credit reportDesired Settlement: I want it cleared off my report as a derogatory account and the account information corrected.

Business

Response:

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

Review: My issue is about an External transfer that I initiated on the Capital One Website, to transfer $3000 from my [redacted] account to the Capital One account. The

accounts are linked.

To transfer the funds, Capital One showed a Deliver By date of 02/19/2014. I also received an email the following day confirming the Deliver by date of

02/19/2014.

With a Deliver date of 02/14, I scheduled 2 bill pays to my 2 Capital One credit cards to pay them off on 02/20.

On that day, 20/19/2014 I checked my [redacted] account and confirmed that the funds were effectively withdrawn, but on my Capital One, the funds are not showing

as Available yet. I called Capital One, and spoke with a customer service representative that transferred me to an online banking representative by the name

of [redacted].

After discussing the issue with [redacted], she explained that the transfer should take longer, but because of a glitch in their system, the system was not

showing an accurate Deliver by date, but she reassured me that if this resulted in any non sufficient fund fees accessed to the account, that they would be

removed. She put me on hold to put those notes on the account. Later on 02/19/2014 I checked my account and verified that the $3000 are on my Capital One,

but are not showing as Availble, although they were now on the account. On 02/20/2014 I checked the account again, and funds were on the account, but still

not Available. On 02/21/2014 I checked the account and I was charged 2 NSF fees of $35 each for the bill pays I scheduled to pay on 02/20. As discussed I

called Capital One and spoke with a Supervisor [redacted] employee ID [redacted] whom refused to waive the fees. I requested that they pull the call on 02/19,

therefore I'm now waiting. This issue was not well handled, and for me to pay $70 for their mistake is not acceptable.Desired Settlement: I want them to waive the fees they accessed, and apoligize for their mistake. No matter what is the outcome, I will close this account with them.

Business

Response:

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