Capital One Financial Corporation

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 live in a very busy and crowded apartment complex, and my husband and I are moving to another town in 3 weeks. I have called capitol on and asked to be removed from their mailing list. I am still receiving 3 applications per week from this company. I do NOT want anymore mail coming from them. Can you please help me to put a stop to this????Desired Settlement: I would like capitol one to stop sending their junk mail to this address. I can't get them to on my own.I would n t be living here in 3 weeks.

Business

Response:

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

Review: I received via mail a credit card promotion for 0% interest on purchases and balance transfers for 12 months.I had 2 credit cards, one with an 11% interest and the other with 12%. I took advantage of this seemingly great deal only to notice on my bill an $80 interest fee. I called to question and they told me my interest rate is 19% and not 0% on balance transfers. I am truly dumbfounded that a credit card company would be false advertising. When I signed up online I entered my invitation number and even verified the promotion. No one is willing to admit fault and correct the issue. And here they just raised my interest by 7% from what I was originally paying, when according to the promotion it should've been 0%Desired Settlement: I would like for them to honor the original offer of 0% interest on balance transfers for 12months.

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: Incessant, borderline on abusive and harassing mailing and advertising practices. I have emailed Capital One customer support, I have reached out to Capital One twice via social media ([redacted]), I have marked every single letter as "Return To Sender" and even paid additional postage and proceeded to do this until my postman refused to deliver these letters any longer. The fact that a company is so awful and incessant at marketing that there are people in the world who feel they are being abused and harassed by Capital One, so much so that they must file a complaint with the Revdex.com says a lot.My complaint concerns: OtherDesired Settlement: For Capital One to NEVER ever contact me again, permanently. Not "remove yourself from our mailing list for 5 years" I wished to be removed from their mailing list PERMANENTLY for the remainder of my entire lifespan, 100+ years.

Business

Response:

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

Review: I call them for close me account some time last year.latel they send me the bill for 87.00.they told me this is the final bill.Which ipaid it.After that they are keep sending me bill for differant amounts.Icalled them many time to tell them why they are sending me the bill every month,even I closed the account.they told me they will give me the credit.And then they send me another bill for 142.34.I called them again if they didn't stop this I will contect with Revdex.com.Now they send me another bill for 142.34.

Business

Response:

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

Review: I have on several occasions reached out to Capital One to dispute a credit inquiry on all 3 credit reports. Last year around October Capital One reported an inquiry that I did not authorize or solicit. I have called and been given various numbers and have been transferred from credit department to loan origination. After countless hours on the phone yesterday the rep named Roberto searched by name, address, and lastly my social security number He kept assuring me that the line is recorded and that sensitive information like my social security number is protected. He could not find an application EVER submitted in my name or with my information and soon transferred me to a rep named Tracy who advised I report it to the fraud department she transferred me and I was on hold for 38 minutes. I NEVER solicited any product offered by Capital One. Last year I reported the same issue a rep from headquarters named Brian called me and said He would investigate and return my call....I am still waiting.My complaint concerns: OtherDesired Settlement: Please remove the unauthorized inquiry. I NEVER initiated any application and all the reps that I spoke to Roberto, Tracy, Charlie and Brian confirmed there is NO application ever submitted by me online, paper or phone.

Business

Response:

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

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 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 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: I presented a check for deposit, the check was cleared by Capital One Bank. I paid bills with the money the bank made available to me and then they contacted me to inform me the check was a fake. I don't feel I should be penalized for the banks mistake. They should not have cleared the check if was a fake and now i'm expected to pay the bank money for a criminal act. I'm sure they are covered for fraud from the FDIC and they can recoup their money another way. I am a victim and so is the bank so go after the criminal the one who is passing fraudulent checks not the customer. They should take as much time as they need to make sure the check is legitimate before putting the money in the customers account I don't feel I should have to pay for this. I have information on the criminal, I have filed a police report and a report with the post office because the check was mailed to me and that is a federal crime to use the post office in a criminal act/scam.My complaint concerns: a Banking Account (Checking)Desired Settlement: I want my checking account out of the negative and all return fees (from me paying my bills) be returned to my account. I want my account back in good standing and for the bank to go after the criminal not me again I have filed a police report they can work with the police to recoup their money from the criminal.

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,

Review: On September 11, 2013 a fraudulent [redacted] money transfer in the amount of US$1024.99 appeared on my credit card (through Capital One) under the name of my father (an authorized user), [redacted]. I called in (my father resides in [redacted]a) and reported the transaction as fraudulent. Capital One refunded the charge on September 17 and I thought nothing of it. On November 12, 2013, the fraudulent charge re-appeared on my account (new credit card number). I called Capital One and was informed by a fraud [redacted] ([redacted] at [redacted]) that they considered the charge to be legitimate after only confirming the home address and phone number used with [redacted]. I called [redacted] and opened a Fraud Report. They relayed the following information to me concerning the charge: MTCN: [redacted] Recipient: [redacted] Birthdate: [redacted] Date of money transfer: September 9 Country: [redacted] Location: [redacted] also confirmed that money transfer was made online with an account opened on the same day, the ONLY transaction on the account was the one, unauthorized money transfer, and the money was picked up 5 minutes after the web transaction was initiated by the fraudulent actor and authorized by Capital One. Capital One has incorrectly identified this as a legitimate charge based solely on the fact that the web transaction details included the address and phone number my father used before he moved to [redacted]a, while ignoring several key facts that indicate the charge is fraudulent: 1. The [redacted] account was opened and used within minutes and the only transaction was the fraudulent one (in fact, the [redacted] fraud [redacted] I spoke to said that the charge is clearly fraudulent). 2. My father was already in [redacted]a at the time and neither he nor I have ever visited or spoken to anyone in the [redacted]. 3. The fraudulent charge is completely different from the transaction history of the account. The credit card account in question was, for at least the last 12 months, ONLY used for balance transfers using a 0% offer. In fact, by placing this charge on this card, if we do not pay IN FULL by the payment deadline (December 15) all current balance transfers (we maintain a high balance on the card, but at the 0% rate) retroactively revert to the non-promotional APR. In other words, it's completely illogical to use this card for ANYTHING except the promotional balance transfers. The last point is, I think, the most important. This charge was clearly out of the blue and significantly different from the transaction history of the account. However, rather than identifying this and calling either my father or I to confirm whether the transaction was legitimate, they simply approved it. Then, after we reported the transaction fraudulent, they immediately approved a temporary credit and did NOT recommend we speak with [redacted]. We did not hear anything back for over 2 months, at which time they informed us that, because of TWO supporting indicators and regardless of the substantial evidence to the contrary, they were immediately reapplying the charge and demanding payment.Desired Settlement: I would like for Capital One to reinstate the credit they previously applied on September 17th, ideally before the December 15th payment date for this cycle.

Business

Response:

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

Review: On March 3, 2015 I had made a debit card payment to my credit card bill with a representative over the phone. The rep had assured me that the payment was approved that day March 3, 2015. I had checked my debit card account to see if the payment posted to my debit card account on Match 4, 2015. I had spoke to a customer service rep about the payment not being posted yet on Match 4, 2015. The customer service rep was no help and she was a little rude and not very knowledgeable at her job. I had asked the rep to let me speak to a supervisor since she was no help with resolving

y issues. The supervisor name was [redacted] and he was no help at all. He was very rude to me and he was arrogant and nonchalant about my grievousness. The supervisor [redacted] was very unprofessional and he did not resolve my issues at all. [redacted] and the rep should be fired because they are not good at their jobs and their arrogant. [redacted] needs to go back to school for customer services skills and training on the phone with a customer.Complaint concerns: a Credit CardDesired Settlement: I would like very knowledgeable supervisor or the President of Capital one corporation to investigate where the payment went. I would like some one to investigate the rep that took the payment from me for $25.00 on March 3, 2015.

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: 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: 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 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 Capital One Credit Card that I cancelled over a year ago . They continue to carry this account which has had no action for 2 years, but they keep sending me an annual fee charge. There is a zero balance & has been. I've called them a number of times to correct this each time they tell me it's been corrected but that's not been the case.Desired Settlement: A statement in a letter confirming this account is closed & an apology for the problems I keep having w/ these financial criminals.

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.

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: 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,