Capital One Financial Corporation

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: 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: I had not received any statement for my capital one credit card ending in 9551 for August and September of 2015. They were sent to wrong email address and regular mail statement were not sent to me either. I was alerted by the credit bureau and I called capital one. They removed the late fees and the representative told me that they would remove the late payments from the credit bureaus as well since the statements were not sent to the correct e mail address.I followed up on that several times and I was told the same thing that the late payment history would be removed. I just checked my credit report and the late payment of 30 days for Sept 2015 has still not been removed. Kindly help me in resolving this issue with capital one since it is badly affecting my credit worthiness. ThanksMy complaint concerns: a Credit CardDesired Settlement: Removal of 30 days late status for September 2015 from my credit report.

Business

Response:

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

Review: I have had my auto loan with Capital One since April 2013. For quite some time now to raise my credit score and pay down my interest more quickly I began doing bi-weekly payments. I have been doing this for months. In doing so, I also asked Capital One not once but twice to change my due date so that it was at the end of the month, so that when I made the bi-weekly payments according to my paydays, the due date would actually have me be ahead. Instead, the due date has YET to be changed, and Capital One had the audacity to report negatively to the credit bureaus as though I was paying late at times! I did upon first getting the car because my hubby was soon laid off after but I should be well ahead of the game now.My complaint concerns: an Auto LoanDesired Settlement: A. I want my credit report adjusted as of the time I started with bi-weekly payments and B. I want my due date finally adjusted accordingly, and C. I want to see an itemized statement showing how exactly my my bi-weekly payments are being applied.

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 left a message for Ms. [redacted]. Her letter was a pathetic attempt to pacify me and the situation at hand by indicating Capital One could not "FIND" any information to substantiate my claim. I am substantiating my claim, quite simply my request to have my due date changed was not put in place. I want it put in place now, retroactive to the date I started every 2 week payments. The entire reason and purpose for my bi monthly payments was to accelerate my payoff, and reduce the interest paid. I would not have gone through this process otherwise.

Review: I encountered an issues over a year ago with a missed payment. I called into capital one to figure out why it occurred and to setup automatic payments. Fast forward to this week. I received a notice from [redacted] that I had a 30-60 late payment show up on my credit report. I investigated right away, and payed my bill in full, including late fees. Afterwards I contacted Capital One, where the rep waived one of the late fees however was not able to remove the item from my credit. She noted that I should have been receiving late notices in my email, however I had not been. I also did not receive any voice calls notifying me of this. Im ver disappointed that automatic payment was not setup at the time of my previous call which resulted in this.My complaint concerns: a Credit CardDesired Settlement: Remove the late payment from all 3 credit bureaus and provide me with proof

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 understand you are being truthful about your records however this is not the case. As my trust in your company and its ability to keep accurate records is now diminished, I request that you terminate my account effective immediately.

Regards,

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: Capital One has attached someone's name to my social security number and account. Apparently one or two people have auto loans attached to my social security number with Capital One--but I have never had an auto loan in my life. (Did they not investigate the borrower thoroughly?) In any case, the fraud dept. took up the case. I sent them all the required affadavits and notarized certificates and filled-in forms that they requested. They never got back to me. They are nearly impossible to get through to, with excessive hold times on the phone and short business hours, and they fail to return calls and messages. They are often unreachable even during their supposed business hours. Repeatedly, I am told I will get a call back and then do not. Online messages are also ineffective. Further: even after CapitalOne suspended activity on all of my accounts (at my request) because of possible fraud, they still sent me statements with the other person's name, to my home address, and with the details of the auto loan that is currently being investigated. Capital One has been tremendously disorganized, wasted tons of my time, and done nothing to resolve anything. The long hold times on the phone alone have been a huge waste of time. I would simply like to be contacted and for this issue to be resolved.My complaint concerns: an Auto LoanDesired Settlement: Ideally, I would like to be compensated for the weeks now of frustration that I have endured (I have been trying to resolve this since before Thanksgiving--it is now almost Christmas), and the many wasted hours I have spent on the phone. Knowing that I will likely not be compensated by this terrible company, however, I would at least like them to pay attention to my case, contact me, and resolve it.

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 says that, "respectfully," they decline any offer of compensation. This means that the approximately 25 hours I devoted to this issue, over the course of 7 weeks, due mainly to the fact that Capital One is understaffed, ill-run, and keeps callers on hold for in excess of 45 minutes each time, will not be compensated. They are also not compensating me for the hours and weeks of intense frustration I experienced while trying to deal with them--over issues that were entirely their fault.

Review: I have been a loyal customer with capital one for almost about 7 months now. When I signed up in the agreement it said that if the credit card bill was paid on time for the first 6 months they would give me a credit line increase. I am working full time, and I do have a job. I called up to see if there was anything that could be done she was telling me one payment was missed, I immediately checked my Experian credit report monitoring, and all payments were paid on time. I then called up once again and reached a customer service agent, and she specifically told me that the issue could be due to my age, or length of credit history. Which is against the laws regarding the FCRA under CFPB. Then she started to compare me to her son's age and was stating that since he is my age he didn't get approved. She then also started to go over some of the health information on my credit report which is a huge HIPPA violation by mentioning which creditors were owed and how much. and , not only did she compare me to him which I feel discriminated against. But, under the FCRA, and the CFPB; it is illegal to base a decision on age, sex, or orientation. I also feel that the customer service is horrible, and I was promised that someone would reach out to me . I am a Citizen with all the right credentials to apply for a credit card, and increase, I also feel that they took that into thought as well.My complaint concerns: a Credit CardDesired Settlement: I have two lines of credit with Capital one, I would like to have my credit raised on both of my cards for the inconvenience. Or to take both balances with both cards, and have just one credit card with higher limits.

Business

Response:

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

Review: I asked the teller to close my account. I returned the checks that I received in the mail unopened. She gave me cash and I thought that would be the end. She did not close the account; now I keep getting penalty notices about my account.I would like my account closed with out the extra charges incurred because of their mistakes.

Product_Or_Service: savings and checking accountDesired Settlement: DesiredSettlementID: Other (requires explanation)

Close the account without the extra charges.

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 had a old account ending in #[redacted] that I paid off in July with a attorneys office. The account was paid in full with a money order. I requested a letter from capital one just stating that they received the funds, and that there was no balance. I have not been able to obtain this. They keep referring me to the attorney's office. The problem is that the attorney's office is not listed on my credit report, just capital one. I really need the letter, and the funds should not have to be cleared, because it was in the form of a money order. I would greatly appreciate being able to get some type of assistance in this matter. I am not asking for a release of judgement letter, only something stating the account was paid in full to [redacted]Desired Settlement: I would like this letter to be faxed to me at [redacted] or emailed to me at [redacted]

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 TOLD THE REP. I AM NOT GOING TO BE HOME SO DO NOT MAIL OUT MY CREDIT CARD OUT. THE REP. STOP MY CARD AND MAILED OUT THE NEW CARD... NOW I HAVE NO MEANS OF FUNDS.My complaint concerns: a Credit CardDesired Settlement: OVER NIGHT THER NEW CARD....... THE REP SAID. TOO BAD WE ONLY MAIL IT OUT IF OUR CAR BREAKS DOWN OR IF YOUR DYING.

Business

Response:

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

Review: Capital one made funds in a line of credit unavailable for use with no sound reason, making the line unusable to me. So I payed it off and closed account. Capital one charged me $450.00 fee for closing early, but in actuality they had made the account unusable to me stating false claims. They should not have levied the early termination fees.Desired Settlement: I would like the money they unethically took from me refunded.

Business

Response:

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

Consumer

Response:

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

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution 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 have contacted this card company to negotiate a lower interest rate or pay off amount, was denied on both occasions. they refuse to work with me on this. the account has been closed since 2010 and they have still been charging interest on the closed account balance. nowhere in the card user agreement does it say that once the account is closed that interest will still be charged to the account. the card destroyed. they account has been paid on for the last 48 months since the account has been closed. the current amount owed is 3,221.62. paid in interest over the last 4yr(s) has exceeded this amount owed. they have more than doubled their money and has no reason to negotiate a lower payoff amount.Desired Settlement: What I am looking for is a lower pay off for the card.

Business

Response:

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

Review: Capitol One took $775. Out of my bank account instead of the $35. I authorized.They refunded the $775., but refused to reimburse me the two $35 NSF fees I incurred because of their mistake.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want them to pay $70 I was charged because of their error.

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. The business credited the money back to me after receiving your complaint.

Review: I have 2 auto loans with Capital one. I am the primary on one, an the co-signer on another one. The car I co-signed for became behind and as I wnated to make sure the account holder held good on his loan instead of making small payments, he was advised by Capital One via letter that he could do a "catch up" and make 3 larger payments to have him all caught up. The agent whom did the arrangement informed [redacted] that he had to give her a debt card, and she set up 3 payments. My bank called me as they rejected a payment because it came out of my " bill pay account". An as the names did not match, an the funds were not available it was rejected. This caused me to have a NSF as that account is only loaded with funds when its time to pay bills for safety reasons as it is not my primary account. I called my bank that told me to waive the fee, I would have to have a letter from Capital one stating they selected the wrong account and it was a error and they would release the fee. I called capital one, an was on hold for 10 minutes an then disconnected. I called back an the new CSR sent me to the resolutions department" where the CSR told me that they probably made a mistake as there are several cards on file an since this was was associated with a bank, they most likely picked this one instead of [redacted]'s. I informed him that now that my bank rejected it, not only is the payment late, there is a late fee and now I have a NSF fee. He told me that [redacted] shoudl have told her the account number to draft as they cant see the bank name as we can. When we put the routing number in, it shows our bank. I told him this is a BANK. The CSR should be trained to ask an verify which account. The rep asked to set the payments up on the account ending in [redacted] which is [redacted]'s not [redacted] which is MINE! I was not on the call an did not authorize her to attempt to draft it from my account! The CSR I talked to told me they would not make a mistake like this, I asked to hear my call !My complaint concerns: an Auto LoanDesired Settlement: I want a letter sent to may bank showing it was a error on their behalf. It is not either ones fault that the incompetent CSR selected the WRONG account. When I asked to hear my call, the CSR then stated out of good faith we will waive the late fee. That is not good faith. There would be no late fee if they did what they stated they would the day the call took place. At a bank they should know better! The CSR did not listen thoroughly and selected the wrong account!

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 have had my account with Capital One for 4+years. My account is in good standing and my credit score is great. My Capital One card is my only [redacted] and I would like to be able to use it for my day to day purchases but the company refuses to increase my credit line for me to do so. They give no reason for this decline.Desired Settlement: I would like my credit limit increased generously to reflect my good credit and my good standing with my Capital One account.

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 have booked an airline ticket through Capital One. This is for mine and my wife's 30 wedding anniversary. Somehow her last name got entered as her maiden name. It is possible I could have entered it that way. But the name is incorrect on the ticket, so will not be able to travel under that ticket. I have contacted the airlines to change the name. The airlines told me the travel center at Capital One must be the ones to change the ticket. I have repeatedly called Capital one and the last conversation was that they refused to fix the issue. If I cancel the ticket I lose my miles and the tickets. I have talked to supervisors and no one seems to want to help. I have booked hotels, rental cars, and other airline tickets in the UK. So I will have to cancel and lose all of those reservations as well.My complaint concerns: a Credit CardDesired Settlement: Change the name on the ticket to match the passport.

Business

Response:

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

Consumer

Response:

This is outright false. I have a file that lists all the flight and schedule changes from Capital One. I have multiple emails from Capital One showing the filight schedules and changes. [redacted] was only used to rent a car. Capital One booked the flight. [redacted] even has a file where Capital One booked the flights. This is a disappointing 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 December 4, 2010 I received a letter. Capital One discovered fraudulent activity yet they had provided a thief with a credit card under my social security number. On December 11, 2010 I spoke with [redacted] via telephone at about 6pm he assured me the estimated $300 amount would be "charged off". The matter would be investigated and the account would be closed. Young and feeling secure after addressing the issue I thought no more of it. Now I am an adult attempting to obtain credit and I'm being shut down. I obtain credit reports that still show delinquency on various accounts including Capital One which shouldve been resolved in 2010. It needs to be fixed immediately I have already sent copies of police reports. They initiated the discussion of fraudulent activity so why is this still on my credit.Desired Settlement: Resolve the issue immediately.

Business

Response:

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

Review: Number of phone calls at very early morning time frames between 7 and 9 AM or very late between 6 and 9 PM. Credit card payment is late, however, I have until April 13th to make the account current after that time the company may report to the credit agencies as late. Numerous phone calls isn't the way I wish to be informed that the payment is late. I'm a smart guy I know it's late. Bad economic time has hit me recently a payment will be made on April the 3rd no money before then please stop the phone calls. These "Collection " attempts can be made through letter from in the U.S. Mail.My complaint concerns: a Credit CardDesired Settlement: End of phone calls.

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: capitol one (card services) [redacted] a company put charges on my credit card , the card company and I talked to them , they admitted I dident authorize the charge BUT the credit card company says I have to pay it any way . I have not because I put in for fraud and it went to my credit report for delinquent payment . I am more than mad ! how can I get rid of this mess ???! Product_Or_Service: diet pills / I dident order Order_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund I want my my credit card reimbursed for every penny owed due to this fraud and the extra costs it uncured .I closed the account as soon as this happened but cant get rid of all of this mess.

Business

Response:

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