Capital One Financial Corporation

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: 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 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 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 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 was given a credit card by capital one with 300 credit line, the next day I drawn 140 dollars from the account. I called to reset my password for the online account. As I proceeded to get that resolved the young lady name linda told me there was another issue pertaining to fraud with my identification, however she stated she didn't know exactly what was the issue with it. I spoke with a manager kieven, he stated he couldn't tell me any details about what was the problem, he left me with no choice to resolve the situation. I was told I would have to apply for another credit card, which didn't sound right to me.

My complaint concerns: a Credit CardDesired Settlement: identify and correct the issue with my identification that is on file with capital one. I want to know why my account was stopped less than 48 hrs of having it?

Business

Response:

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

Review: I sent an certified letter to ask them to remove an inquiry they had put on my credit report the month of Jan of 2015. I also stated if they have proof that I allowed to run my credit report to send documents. They did not send anything or have I not receive any response. Please remove this unauthorized injury off my credit reports.My complaint concerns: OtherDesired Settlement: REMOVE THIS UNAUTHORIZED INQUIRY ....

Business

Response:

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

Review: I called to make a payment, but come to find out my cards was charged off, I NEVER RECEIVED ANYTHING BY MAIL when I talked to the dispute department they said they show letters sent out but I never got anything, you DO NOT have a problem emailing me but never emailed me anything either, to me that is wrong when you are trying your hardest to take care of payment to be knocked down by someone who does not want to help out.My complaint concerns: a Credit CardDesired Settlement: I would like my cards to be reinstated and payment arrangements to be made like I have asked. I took responsibilty to make good on my payments but your company would not take responibilty that mail does not always get delivered espcially when they have always emailed and all of a sudden they can not email this letter, BUT YOU CAN EMAIL TO ME A STATEMENT AND BILL THIS MONTH.

Business

Response:

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

Review: I paid my credit card balance of $20,000 on time and never late. I was expecting to receive the rewards of 35,681 miles/points but was told that the account was restricted due to security reasons and the rewards are being forfeit.Desired Settlement: Receive the value of my 35,681 miles/point as a check as initially agree when I applied to the credit card.

Business

Response:

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

Consumer

Response:

Review: Store sales associate at [redacted] explained to me that by making an in store payment on July 24th, 2013 would cover my minimum balance for July and that a subsequent online payment for $56 on July 28th, 2013 would cover my payment for August. I have not received a statement from the company and also did not receive a phone call for notification of a missed payment. The company filed a 30 day late payment on my account and changed the status to pays 30-60 days and not paid as agreed even though all subsequent payments have been on time. I notified the company as soon as the information was reported however they refused to correct the mistake with the credit bureau. They assure me they are sending statements to the address on file but I have yet to receive a single statement from this company.Desired Settlement: I request that Capital One remove the negative statement, 30 days past due, on my credit report and return the account to pays as agreed as I have NOT received a statement and was misinformed by a store clerk that represents their company. I have also filed a dispute with the credit bureau.

Business

Response:

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

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.

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: 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: 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: 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 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 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: 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: 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: Hello, I have a Capital One [redacted] under my account ending in #[redacted]. A few months ago I have signed up for this card hoping to use this for transactions relating to my online business. As I sell products such as furniture and other expensive items, this results in frequent large transactions to my credit card. With the majority of sales coming from online sales portals such as [redacted], I am frequently tied to [redacted] release of payment funds in order to receive reimbursement for orders. [redacted] for instance takes up to two weeks at times to release funds for submitted orders. However, the vendors of the products which I sell require immediate payment for their goods which is needed to get my items shipped to the customer as quickly as possible. When I had first signed up for this card several months ago, I was shocked to hear that there would be a $2,000 limit on this card. As I require this card to obtain products from vendors, with the number of orders increasing the funds limit on this card is severely impacting my business and preventing growth of my company.Desired Settlement: I would like to ask for my credit limit to be raised on my card to at least $5,000. This would bring the card up to a limit that a normal credit card would have which I think would be fine for my purposes for the time being. If this is not possible I would like an explanation from Capital One why my credit limit at this time cannot be raised.

Business

Response:

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