Capital One Financial Corporation

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: I find out my account had been charged $95.92 by 5/31/2013; I am not authorize the trasation, I dont know the buyer and seller. I tried to dispute the amounts 8/26; 9/6; 10/23; 12/9; 12/31 four times for 7 monthes, I fax the document what the dispute department reqired 9/4/2013; 12/16/2013; but the company closed my case, because it took so long for dispute. I spoke to [redacted] (ID#[redacted]) to reopen the case, I don't know when can I get the money back,Desired Settlement: DesiredSettlementID: Refund

I had been the member almost 10 years with this company, they will lost my business far ever, and refund my money back. This company need to know who is the customer and need improve service skill.

Business

Response:

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

Review: Capital One

March 7, 2016

Dear Capital One:

This is in regards to my account -on August 2015 I made a late payment that is reflected on my credit report. I have had this credit card for 15 years. When I

updated all of my cards, I failed to realize this card was not found under the same login of my other capital one cards. I know this is no excuse, but I also was experiencing extreme stress in my life, and I just simply forgot to pay it. I called in, and explained, and I am pretty sure the late fee was removed, and I was told that I was no longer late, and this would not appear as late on my report. I thought things were fine until I seen this in my report, which as you know, affects my credit score negatively. For 15 years, I have payed this card on time. Unfortunately, I encountered a rough patch, (death in the family), and failed to pay timely. I am asking that this be forgiven. As soon as I realized what I had done, I immediately made the payment. I am hoping my 15 years of business is enough to be forgiven, and my credit report updated. Please and thank you.My complaint concerns: a Credit CardDesired Settlement: to adjust my credit report, which I truly do not feel is an unfair requeat

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: 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.

Review: My husband and I purchased tickets for a football game through a third party. The game was cancelled due to weather issues. I contacted the third party and inquired about receiving a refund. They agreed and said it would take a few days. After a week or so of not seeing the refund in my capital one account we contacted the third party and they said that on September 10, 2015 the refund was sent to capital one. They said we should contact our bank because apparently they were holding the refund. We did that and capital one said they had never received the refund and that we should contact the third party again. The third party insisted we resolve the issue with capital one. Capital one said we should file a dispute transaction claim. Capital one gave us a provisional credit for $127. On December 14, 2015 capital one withdrew $127 from our account. We called and they said the third party had sent them documentation stating they do not give refunds due to inclement weather. I then called the third party and they said that's an absolute lie! I have multiple emails from the third party stating that yes we would be receiving a refund. According to capital one there is nothing else for them to do. We've sent them more paperwork showing the refund the third party sent to them. Now we are just waiting. We have bills and that money is intended for those bills. We are very dissatisfied!Desired Settlement: I'd like capital one to put the $127 back into our account. As I stated that money is for bills and its money we worked hard for.

Business

Response:

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

Review: A little bit over a year ago I fell behind on my capital one accounts. I had three accounts with capital one. One of which was from [redacted] bank. After some months these accounts were charge off. I call capital one on several occasions as explained that I would like to get on a different payment plan before the accounts went into collection but capital one was never willing to provide me with a better payment option even though I explain that I was going through a very difficult separation and I am now the single mother of 3 and I only have a small income that was not sufficient to cover all the bills. Anyway I was not able to meet my monthly payments and the account was charge off. Within a few months I was able to call capital one and was offer some settlement options on the accounts. I was told by the representative that offer the settlement option that once I paid the agreed to settlement amount on the accounts I should contact the office of the CEO by email and they will remove the trade lines from my three credit bureau files. I sent an email before payment and a representative from the CEO by the name of [redacted] called me and she told me she would do some research and it should not be a problem to remove the trade lines from the credit bureau. I never got any call back from [redacted]. I paid the settlement amount in full at once on all three accounts and I call Capital one on several occasions and I also wrote another email to CEO office and I have not gotten any response.Complaint concerns: a Credit CardDesired Settlement: I want capital one to delete the three trade lines from my credit report with the three credit bureaus. I was told by capital one represent that the trade lines will be deleted once I paid the settlement offer in full. I capital one to keep its promise and delete the three trade lines from the three credit bureau.

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.

Review: I've contact Capital One several times and requested information where they can show this credit was opened by me.

I have not heard back from them or received any documentation proving this. I do not recall opening an account for a credit card with Capital one and I need paper work showing this was. They have not responded.My complaint concerns: a Credit CardDesired Settlement: By law, they need to show me proof this was me. If they can not provide documentation showing this was me, I need this removed from my credit report immediately.

Business

Response:

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

Review: I have made two requests for Capital One to contact an alternate number in regards to the loan. The first [redacted] that stated that they change was made was named [redacted], the second being [redacted]. I have explained that with the loss of my stepfather, my mother does not need any more added stress. She authorized myself on the account so that I can speak on her behalf to answer any questions. [redacted] stated the request was made. They still 3-4 times daily call her and harass her wanting payment on the vehicle despite the payment already being sent out with no regard to hers and my request. Today I spoke with another [redacted] by the name of [redacted] who ignored my request and instead transferred me to a voicemail.Desired Settlement: Capital One is to honor the request that they promised and to change the phone number associated with the account and to only call AT MOST twice per week to check on the status.

Business

Response:

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

Review: The bank rejects automated ACH payments if there is not enough funds on the account. The bank does not offer a way to cover these transactions by linking a savings account neither allows you to correct the situation before rejections. Bank advised is closing my account with little notice and is not doing anything to allow me to make the situation right. I have enough funds and sometimes payments come without proper notice from the billers. Bank suggested to use their bill pay system to avoid this problem, but their bill pay system takes 10 business days to reach the creditors which then pound me with a late fee.Complaint concerns: a Banking Account (Checking)Desired Settlement: Keep my account opened and offer ways to advise of incoming payments when there is not enough funds and allow a quick fast transfer from savings accounts.

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.

Account must remain open and it will remain open. It will take me several months to transfer everything again. I already went into a lot of legwork to make this my only bank of choice and now you are simply closing the doors to me because you have poor resources to manage the money.

Review: Capital One will not, despite repeated demands, cease mailing pre-approved credit card applications via[redacted]. This is an extremely dangerous practice - one of the leading causes of identity theft. NOW I found out that Capital One has made a credit inquiry to[redacted]. I did not authorize this. I have no connection with Capital One. I want no connection with Capital One.

Capital One seem to believe that they are not required to honor the permanent opt-out of unsolicited credit card applications which I filed years ago and re-filed today. I see no difference between Capital One's advertising practices and crooked telephone solicitors who willingly and repeatedly violate the National Do Not Call registry except that the postal mailing of credit card applications is more dangerous.Complaint concerns: OtherDesired Settlement: Behave ethically, just to try something new and different. Pay attention to opt-out forms filed with [redacted] and other such agencies.

Business

Response:

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

Review: On July 5, 2014 - I had applied online for a Quick Silver Master Card by Capital One and was instantly approved for $1,000. Since obtaining this card, I have used it responsibly and have made multiple big payments ensuring a below 30% utilization. Today is August 16, 2014 and till this date I do not see Capital One reporting my new credit card ending in ([redacted]) to all three major credit reporting agencies ([redacted]). In addition, I applied and was accepted for another 3rd party credit card (Barclays) on July 9, 2015 four days after my acceptance with Capital One's Quick Silver Master card - [redacted] appears on all three major credit reporting agencies ([redacted])

Capital One advertises reporting to all three major credit reporting agencies ([redacted]) - I have not see my new card ending in ([redacted]) included on any of my credit files.Desired Settlement: Capital One to report on all three major credit reporting agencies ([redacted]) of my new account ending in ([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: Capital One sends frequent card offers that we are tired of receiving. So we have called the number listed on the mailing that says we can call if we don't want to receive them. However, they seem to make it impossible to accomplish getting off this list. At different times we have been asked to spell the name, but the message does not offer sufficient time to do so. When we finally got through to a person after several attempts, the person was not able to hear us, oddly enough. I'm suspicious that they are trying to make it difficult to get off the list and stop receiving the offers.Desired Settlement: I would just like to stop receiving the offers.

Business

Response:

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

Review: I received a letter from Capital One in late February. I did not think much of it and did not open it as normally letters are only promotional interest rates, low fee checks, etc. Going through my records today I opened and read the letter to determine it was a change on the APR on my account. The change took my APR from 4.85% to 9.99% which is a outrageous increase of nearly 2 fold total and over 3 fold on the plus prime interest. I believe this practice is price gouging and unfair as I have been a loyal and responsible customer for several years.My complaint concerns: a Credit CardDesired Settlement: I believe the difference in credit charged between the 9.99% and the 4.85% should be refunded to be as well as my APR rate should be returned the promised prime +2% rate I signed up for under good faith when I got the card. The fact that Canada Prime has decreased over the years doesn't constitute a good rationale for the interest rates to have increased so drastically. The practice is simply unfair, while I understand Capital One likely doesn't want this interest rate to continue with new customers, I think fair practice should dictate honouring the agreement made with it's current customers with the prime plus 2% rate.

Business

Response:

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

Review: PERMISSIBLE PURPOSE CREDIT INQUIRY On September 26, 2013 I received notification that a hard inquiry was conducted by Capital One Auto Finance on my [redacted] Credit Report. Under no circumstances have I authorized an inquiry on any credit bureau from Capital One Auto Finance. On September 25, 2013, I filled a form on [redacted] that stated only a soft inquiry would be conducted and this would not affect my credit report. I have at no time spoke with a representative of Capital One nor filled out any applications with Capital One authorizing a hard inquiry. [redacted]Desired Settlement: Removal of the un-authorized inquiry on my [redacted] Credit Report and/or any other credit reports.

Business

Response:

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

Review: I have contacted Capital One various times regarding a credit line increase. I have been told numerous times that "my type of account does not allow requested lines of increase." I have questioned, what is "my type of account." No one has been able to provide clarity to this answer. I recently received a letter that stated that because my account has been past due within the last 9 months; it was not eligible. However, I have been with Capital One for about 4 years now and have NEVER had a late payment aside from the most recent. Even within this recent late payment, it was paid almost immediately. I simply forgot the payment date due to hectic scheduling. The point here is that within my tenure with Capital One and my excellent payment history; my account's line of credit has never been increased; without valid reasoning. No customer service representative has been able to provide additional information.Desired Settlement: I would like a VALID - detailed; well supported answer regarding the lack of historical credit line increases to my accounts.

Business

Response:

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

Review: Hi I am writing regarding an issue with one of my credit card accounts. On 2/6/14 I chatted with a rep via the online chat to inquire about the status of my account. The rep informed me that the account was temporarily suspended due to missed payments and said that if I paid 239 the account would be brought up to date and the temporary suspension would be removed. I scheduled a payment of 351.xx for 2/12/14. I called in last week to find out why my account was now showing "Restricted" and I am told that my account was closed. Then I'm told that if I had made the payment on 2/7/14 my account would not have been closed. My issue is that I specifically asked the rep the status of my account and I was not told that it would be closed if the payment wasn't received by the 7th. In addition to that the rep waited for me to schedule payments on my other 2 accounts and still didn't mention anything about the time sensitive nature of this particular account. This is misinformation and negligence on behalf of Capital One so I'm unsure why do I have to suffer as a consumer. This is wrong and I would like to have this issue addressed. It's not fair that my account is closed because I was not properly informed on the status of my account after specifically asking. Not only is my account closed,this will now report negatively on my credit report due to no error of my own. I have a copy of the chat transcript if needed. I have been satisfied with my experience with Capital One up until this point. I would like this looked into and rectified.Desired Settlement: I would like to have my account reinstated.

Business

Response:

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

Review: Capital One keeps blocking the credit card over routine purchases. I have verified the purchases and the purchases are being paid for - but capital one still have blocked the account.

There is $[redacted] of [redacted] on the card.

[redacted] is not being helpful and is making the situation even worse by making unreasonable demands.

[redacted] doesn't understand the situation.

the card has my fathers address for billing

my address is

we can provide documentation for the above addresses

If I do what rep [redacted] is telling me to do it would be misleading. It doesn't make sense to contact merchants and banks and temporarily change addresses just to match what Capital One wants to see.

If they don't unlock the on-line acct, I won't be able to pay the bill.Desired Settlement: Fix the online status so we can pay the bill - and fix the card - the purchases have all been made by either myself or my father.

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 am forward deployed soldier who has two accounts, an auto and a credit card, with capital one. Since the inception of both accounts I have never defaulted and with the exception of the credit card never made a late payment. In October of 2012 I was called to active duty and moved to a different state. Today, 5 November 2013, Capital one customer service told me I made a late payment a year ago and as a result reported to the credit bureaus Equifax and Experian a 30 day late payment. As a service member I am protected, per section 203 (b) of the Servicemembers Civil Relief Act from fines AND penalties. They put the word "and" to distinguish the two as one being monetary and the other being anything other consequence as a result of not executing an obligation to a contract in this case paying on time. While the fee associated with a late payment was waived, they still reported on two credit reports the late payment.Desired Settlement: Being a loyal customer thus far, and with the exception of a period in time where due to my military obligation I was materially unable to pay as a result of initial moving expenses and apartment leasing requirements, which is a requirement for protection under this act, having paid all required payments on two different accounts on time for nearly a year, AND while currently deployed, I feel it is fair to request the removal of the 30 day late payment from both credit reports.

Business

Response:

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

Review: On January 14th I initiated a wire transfer from my business checking account ending in 1666. The amount was for $3,730.50. The wire transfer did not make it to the other party and I was told that it was lost in translation. Claudia, the branch manager at [redacted] 75219 has been unresponsive, and has not fixed the issue. A credit was issued to my account, but was lifted 10 days later. This issue has been going on for over 4 months and needs to be taken care of immediately. I believe fraudulent activity has occurred and the lack of professionalism shown by the branch is concerning and unacceptable.

My complaint concerns: a Banking Account (Checking)Desired Settlement: A credit for $3,730.50 issued to the business checking account for [redacted] LLC ending in 1666 immediately.

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.]