Capital One Financial Corporation

Review: I applied for the capital one card after my bankruptcy was discharged.

I have been faithfully paying my bill on time, with a four day grace period.

The first of January, I receive a bill that I was late with my payment. I called and said I had a four day grace period. I was told that I do not.

I emailed Capital One and they refuse to refund the $33.00

I talked to someone online and they worked to have the fee taken off.

They applied the same one and charged me again.Complaint concerns: a Credit CardDesired Settlement: Refund all the $99.00 in fees.

Give me a 4 day grace period, including weekends.

No other payments will be made until this is resolved.

Business

Response:

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

Review: My due date is today 2/23/2015. I went online to Capital One's website and submitted the payment directly through them. However, their website would not process it with today's date; it automatically put tomorrows date and would not let me change it. This means I will be charged a late fee. I immediately started a chat with their customer service representative and she said it was Capital One's policy to charge a late fee if you pay the day it's due after 8pm. This is not ethical because the due date on the bill says 2/23/2015 and if I paid on that date they should not be charging me a $30 late fee.Complaint concerns: a Credit CardDesired Settlement: Company needs to credit the late fee back to my account since the payment was not late and paid on the date due.

Business

Response:

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

Review: Capital One does not protect against fraud protection and unauthorized charges that were made on my account while my Capital One 360 checking card was not in my possession (I lost my card.) The representative that was "helping" me might as well of called me a liar and refused to do anything about it. The safety of my account is not in their best interest and I will never put money into this account. I feel discriminated, belittled and taken advantage of. I wonder how many other people they do this too. Beware!Complaint concerns: a Banking Account (Checking)Desired Settlement: I would first and foremost like an apology from the representative that handled this claim and for the unauthorized charges to be reimbursed to my account, as I did not make these charges.

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,

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 made a late payment on my credit card and I was due for a credit increase. When I made the payment I SPECIFICALLY asked the representative would the late payment affect my credit increase and I was told NO and not to worry because they reversed the late payment, so I was told that I would get my increase on time and it will NOT be extended! I called in today and was told a totally different story. When I spoke to the manager(ASHLEY) I got no where and I explained that capital one should honor what was told to me by that representative and I was told that was not going to happen! If you all record all conversations and take notes then they should back date and go listen to what that representative told me in regards to my credit increase. This is not the first problem I've had with you all. I find this company to be very unprofessional with staff that is not well trained and it makes your company look bad.

My complaint concerns: OtherDesired Settlement: I would like my credit lined increased on the ORIGINAL time it was suppose to be increased! Honor what you tell people! And if your not going to honor your word then PROPERLY train you employees to NOT misinform customers

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,[redacted]

Review: Getting promotional offer and not being told specifically why I don't qualify is like being given a coupon for a free dinner at a restaurant, going to retrieve it, and telling me I don't qualify when there are no limitations listed on the coupon. It is suspicious and potentially fraudulent activity.

Capital One started offering a unique program through their website where a customer can combine two credit cards. The minimum criteria are listed on the web site, with no other terms or conditions about the program available. Two of my Capital One credit cards meet this listed criteria. The website tells me I'm still not eligible. I called capital one and spoke to a supervisor. I was informed that it was a back end decision, and although my cards meet the criteria listed on the website, their system has said I am not eligible. When I asked why, they informed me that even they did not know, and there was no way to find out.

So on the one hand, I have met all of the criteria made publicly available to consumers. On the other hand, Capital One is saying I have not met the right criteria, and cannot tell me why.

I fully understand if there is criteria I have not met, but to simply be told "You're not eligible, and we can't tell you why" doesn't work for me, and seems more like false advertisement than anything else. If I were to be told exactly why I was not eligible, then that at least gives me something to go off of other than "Better luck next time".My complaint concerns: a Credit CardDesired Settlement: I would like to be told specifically why the Capital One system deems me ineligible. If you cannot, then to me, there is no reason and I am entitled to fulfillment by the program guidelines.

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.

You have acknowledged my complaint, but have done nothing to resolve it. The $2000 credit limit increase you are referencing is one that I was entitled to for making my first 5 payments on time for the [redacted] card, and does not reflect anything having to do with the card combination process.

Review: In March 2016 I requested a credit limit increase. On April 1, 2016 I received a letter stating they could not increase my limit because my average monthly payment was too low. My minimum due every month has been $25 I have always paid $100. When I called to question this they would not give me an answer. I contacted the consumer affairs dept and on May 16, 2016 I received a letter with a different excuse stating I have too many accounts with balances and too many inquiries. I am using less than 14% of my available credit and have not had an inquiry in about a year. They were able to increase the limit on my other card and I get several pre approved offers for Capital One Venture Cards weekly.My complaint concerns: a Credit CardDesired Settlement: I want a real person to review this and give me a valid explanation as to why they can increase the limit on one card and offer me several other cards but cannot increase the limit on my other card or give me a valid reason.

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 has refused to look into the issue stating their policy does not permit a real human being to look into such matters. I have 2 credit cards with Capital One, I also have a checking account and two savings accounts at Capital One 360. Today I have opened a credit card account and a checking account with Discover Card and will begin migrating all of my business to Discover. As their customer service continues to decline, customers like myself will be heard by their footsteps as they leave Capital One.

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: 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: Recently I had an issue where Capital One was reporting an account that was lost/stolen on my credit report. This account was corrected and removed from my report. However now the current and only account that I have open is missing from all three credit reports. This is a major problem as this is a positive tradeline and I need it to be listed on the reports.Desired Settlement: I want the current account that I have (quicksilver) to be listed on Experian, Equifax & TransUnion with current and past payment history. The removal of this account has cost me 30+ points and I'm trying to purchase a home this needs to be fixed immediately. I've tried to call your customer service but cannot get anywhere with them to get this resolved.

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: Before going on a cruise with my Capital One Credit Card I called to make sure the card was ok to use as I hadn't used it in a while. I was assured by multiple customer service people that it was ok to use. When I got on the ship I was told by their people that the card would not work. I called Capital One back and was told that the account number had been changed for security reasons. Even though the cruise line was able to credit money to the card and it had points on it, I could not use the card. I was told that Capital One would have a new working credit card for me when I got to the next port, which did not happen. I have made multiple calls to Capital One about this terrible experience with no satisfaction. It just about ruined my vacation, which was on my birthday. There was an account open in my name which I did not have a credit card for and the card I did have would not work. On a cruise ship all purchases are done through the credit card put on file when passengers check in. I ended up cancelling my account with Capital One after I got back since they would not replace my card or make amends in any way, but I think that there should be a record of how they do business.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

Capital One should pay for another cruise vacation due to the fact that they ruined the trip I was on when they screwed up my account, leaving me on a cruise ship with a credit card that I couldn't use.

Business

Response:

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

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Review: I notified CapOne of a double billing on my account from [redacted] on June 1st shortly after I saw it on my online account via their online system. They sent me a letter letting me know they received my request and admittedly I overlooked the part where they asked me to call them back. When I finally saw that, I called them and spoke to an operator explaining to them that I am now following up with my issue to have the double charge removed. The Operator I spoke with spent several minutes telling me she hears complaints from 'people like me' all the time, which was a bit insulting and didn't resolve my issue.

I explained to her that at the drive-thru a guy was training a girl cashier, I gave them my card to pay they said it didn't go through and I told them to try again as I don't carry a large balance and knew it was good and it went thru fine.

When I spoke to the Cap One operator she asked if I had the receipt and I told her I didn't because I don't keep them after a fast food meal because I constantly check my account online. She then asked if I had the second receipt, I explained I only ever got one because the [redacted] cashier never gave me a 1st receipt because he thought it didn't go thru. She wasn't listening!

After that, she sent me a link to upload documents (which I told her 3 xs I didn't have) and now i've not heard anything back and there is still a charge for a product I never received. That was two weeks ago.

I'm a long-time, good standing CapOne customer and up until never had issues with their service. I use a credit card for purchases so that when there is an issue, they will stand by me, the customer. Not only did this CapOne operator barely listen to me and make me feel that as a customer I was bothering her, she didn't resolve my issue of the double billing and wasted my time.Desired Settlement: Credit me the $11.50 that was double billed on June 1st.

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]

Thanks for all of your help! I know I can always rely on the Revdex.com!

Regards,

Review: I spent thousands of dollars using Capital One (CO) Financial's credit card over my other credit cards for the purposes of the rewards benefits. Due to a discrepancy that occurred on my account, my account was place on a "hold".

Due to the fact that CO placed my account on hold, I am unable to use their systemic process that would allow me to book my flight (using their [redacted] partnering website) for the full rewards value of $683.02. The only solution that CO offered me was a check for half of my rewards. I specifically asked that my account to be noted that I did not want to receive a check for half of my rewards. I was assured that they would not send a check unless I requested/accepted their solution. I was forced to seek Revdex.com support after that.

I contacted CO and M. [redacted] as suggested by the Revdex.com website. The issue was not resolve by my direct contact with the suggested person but rather caused more aggravation and dissatisfaction.

After sending an email to M. [redacted], her representative (K. M[redacted]) contacted me on 10/28/15 via letter asking me to send more required details, which I immediately supplied. I did not receive any additional contact from CO or K. M[redacted] after that.

On 10/31/15, I received a check in the mail for half of my rewards $341.51 without my approval or even further dialog. I was clear expressing to CO that their "only option" according to their supervisors was NOT acceptable to me then nor is it now.

CO is placing accounts on hold status which then does not allow their customers to leverage their hard earned rewards in full. Instead CO steadily guide customers to accept less value via their only option of a check which conveniently is to CO's benefit and not the consumer who earned the rewards through faithful used of their credit card.

I contacted CO again after receiving the unwanted partial check and was rudely advised "on a recorded line" by a supervisor "Jonathan" that "I should be happy with something over nothing"My complaint concerns: a Credit CardDesired Settlement: I want my remaining rewards value of $341.51.

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: Capital One I had a acct[redacted] Financed car loan with Capital One Auto Financial from March 2009 - August 2011. On August 2011 I traded in my car to the dealer. I received a payoff quote from Capital One. I saw that my September 2011 monthly car payment was going to be due and payoffs could take up to two weeks before posting. I went ahead and paid Septembers car payment. Four days later received a my car payment back into my checking account. Check my Capital One loan account online, ACH Transfer payment made by dealership, car loan payoff. Excellent. About 10-15 days later paid in full letter from Capital One Auto arrived.Two month I get a credit monitoring alert, late payment post on your credit file. WHAT!! Capital One report 90 delinquency. Call them immediately, Rep tells me account paid in full 90 delinquency Charge off. WHAT!! I have paid in full letter with me and loan balance is zero on my account.I ask whats going on?, no answer or response. I never received email or phone call telling me that my loan was in default or much less a charge off. I even tried to make a extra payment on my loan.It has been 5 five years since then, no one has bother to investigate or even look at what I'm saying is true. I have been punishment on my credit file for something that was not my error or fault. Every time a call its the same story, paid in full 90 days late charge off.Please someone just look a the facts, was a payoff made on the loan amount in full in September before any late or Charge off, was a paid in full letter mail out in September, did my account show a attempt of a car payment was made, but got refunded.I tried calling the today, to get some information or proof of what I'm saying. Only thing rep could provide was paid in full letter and original sign contract. Nothing to help me show what I'm telling is correct.My complaint concerns: an Auto LoanDesired Settlement: Please remove incorrect info on my credit file or provide information that shows me what I'm saying is incorrect.

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: On February 11 2013, Someone illegally access my capital one account information and made those 2 purchases online. I immediately reported the incident to capital one where they canceled the card and sent me a new card. They started an investigation and concluded that I was liable for the transactions. I don't think that was right, They told me someone brought a gift card under my name at [redacted] No gift card was mailed to my house nor I ever been to any [redacted] store to buy anything. They created a fake email account under a fake name [redacted] I don't even know who that is to buy a gift card for 200 in a store call [redacted], I don't even know where that store is, I asked them to track the gift card to see who use the gift card I am sure the store has camera on it or if they shop online to see to which address the items were delivered and who signed for them they refused they just charged my card $350 dollars with interest for something I know nothing about. I am asking your office to please help about this matter if not I will file a lawsuit against Capital one so the public can be aware that the capital one cards are not safe to stay away from this company. 11 FEB [redacted]Desired Settlement: Refund back money that was charged with penalty and interest.

Business

Response:

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

Review: I am a Capital One customer of at least 6 years. Several months ago I was corresponding with customer service regarding a possible new credit card with a higher balance. My ultimate goal was to start using Capital One for everyday transactions. I have gathered enough information and confirmed with a rep that they now allow same client have several different cards with different benefit options. Today I pulled my trigger and decided to apply for a [redacted] card and I was turned down for already having 2 cards with Capital One. Well that is unacceptable so I decided to straighten out the situation with their chat service and they couldn't give me any answers. After several unfruitful attempts to get the right answers on the phone I simply give up. Way to treat a worthy customer with a perfect credit history and above average income. I am more than qualified for this card and would like someone with enough credentials to take a look at my application and reconsider their decision.Desired Settlement: I am extremely not happy with their service and the overall decision process. I would like an appropriate staff to take a look at my credentials and reconsider my application.

Business

Response:

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

Review: They said I was paid up of my debt and now they want more money in which I barely have any! I lost my job last year in December and I barely can afford the payments that they were trying to make me pay. I only collect SSI and that is very low itself. My SSI is for my Rent. If I don't have this money from my SSI because I have to pay them I will be homeless.Desired Settlement: Drop all of the collections

Business

Response:

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

Review: Capital One has charged me a "member fee", which I knew nothing about, nor when the charges were supposed to occur. This put me over the limit. The company has yet to notify me via email, phone, or anything about these charges/deliquincies. Yet, the first thing they do is notify the credit bureaus that I have an over the limit fee. This has injured my credit to the point that I now cannot look for an apartment. This company is soley in business to HURT the consumer. Why would they send notification the credit bureau without first contacting me to fix the problem? I want this company to remove the negative item from my credit reprot. I am leaving all aspects of this company by closing my credit card and moving my money away from Captial One 360 also. This company is only out to hurt customers. I want nothing more to do with them. Trying to reach them by phone is next to impossible. I am absolutely hurt and upset that they would treat the consumer this way.Desired Settlement: I want the over the limit fee removed and the most important thing is I want this removed from my credit. I also want instructions on how to close all my accounts so I can get as far away from this company as possible.

Business

Response:

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

Review: On April 24/13 I presented a Capital One Card for payment of my LLC Taxes. Dept of Revenue. The payment was declined and I was told that the card was suspended. I was not notified that the card was suspended. Later I was told that the card was not suspended. This caused severe problems and I spent several days trying to correct the problems the declined card caused. Payments to my attorney was also declined. I spent several days and month wrote several letters to the CEO [redacted], without resolution. I spoke with one name [redacted] who was very arrogant. He offered me $50.00 I refused and he hung up the phone on me.. I request compensation for the problems and time I spent on this issue.Desired Settlement: $500.00 cash settlement. If the matter has to go to court I will seek $5000.00 which will include punitive and other damages; Plus Legal fees, court costs and other costs.

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.

In response to Capital one answer I do not accept their response...They LIED and fabricated their response...The card was NOT SUSPENDED/ RESTRICTED prior to rejecting the charge. The card was fully in use. The card was suspended AFTER I phoned to inquire about the rejected charge. The [redacted] placed the suspension while I was talking with them. We may have to listen to that tape conversation in its entirety without any changes to the recording. I spent several hours on this issue. They admit error, they offered $50.00 yes but not satisfactory and I stand by my claim.

Review: When I opened my capital credit card I was guaranteed "Hassle free disputes" with other merchants. I filed disputes with two merchants, and both times I received hassle. In my first dispute, Capital One sided with the Merchant even though I provided concrete proof. I submitted emails from the merchant, in which the merchant acknowledged I asked for a refund in the allowed time frame. I also had a voicemail from the merchant. In my new dispute, I have photos validating my claim, and Capital One still sided with the Merchant. Capital One is in violation of it's advertising of "hassle free" services.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:

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 fails to accept that I did not get the room that I was promised. The Hotel staff and [redacted] did NOT provide me with any assistance when I needed. A room was available 4 HOURS after the time I scheduled. Most importantly, IT WAS NOT THE ROOM THAT WAS RESERVED. I provided Capital One with the emailed confirmation that CLEARLY stated my room was to be a deluxe junior suite with an ocean view. I did not get said room. I was fortunate enough to find family, to use their room to prepare for the wedding. Furthermore, I refuse to pay for something I did not receive. I cannot believe Capital One supports the deceptive practices of [redacted]. By offering me vouchers, the company assumes I want to fly to Mexico and patron their resort again. The Hotel made too many mistakes for me to visit again. I would be foolish to make arrangements with such an establishment. I will never plan travels with [redacted] again either. Capital One claims they need proof of cancellation. My statement to Capital One has continuously been that my room was given away prior to my arrival. The hotel cancelled my room! I do not understand how "executives" cannot comprehend that; the cancellation was at the hand of the hotel. Capital One has known this from the beginning of my complaint. When I was in Mexico, the Hotel and [redacted] continued to blame each other. Now that I am safely in the United States, I am reversing the charges through my credit card company. The company that supposedly guaranteed "no hassle disputes." The time to offer any voucher, was at the time of incident. I cannot risk flying to the same hotel. I demand Capital One pull the $688 from [redacted] as the company breached the initial contract that was made. By siding with the company that did not provide what they claimed they would, Capital One supports deceptive practices.

Regards,