Capital One Financial Corporation

Review: I Was charged a fee of $35.00,after they hit my account with there service fee.. there fee comes out mainly around the 12th or 13th of the month ,and they hit my account earlier to be able to charge me a fee.. I called in to show how my account had been charged all year,but was give a excuse that was a lie. I tried to resolve it with " Irene"(id- [redacted]) which only got as far as her trying to belittle the issue.Asked to speak to her manager and Kendra called me back (id [redacted]) and was told the same thing. They will not refund my $35.00 ,that there service fee caused.My complaint concerns: a Banking Account (Checking)Desired Settlement: I would like my money back,then I'm closing the 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 10668490, 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: My account was charged 497 after my replacement card was lost in the mail. I reported this fake charge and my account has been locked in limbo for weeks.Desired Settlement: I want this charge refunded and I want access to my account back.

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: Account sent to Internal collections.

Account paid and settled on 2/29/2016 Amount $225

called Cap to inform them of the payment in the month of Feb.

I was informed this would settle the account , and that I would see a late for the month of march.

Customer Service reps

Tamara ID [redacted] Brian ID [redacted]

Again , account paid off in the month Feb. on 3/3.2016 I received an alert from the federal Government that I was hit with a late mark for the month of March 2016

1. This need to be fixed ASAP , how can I be late for the march when the account is closed and settled in Feb

2. It is fraudulent and unethical to add inaccurate entries into ones credit file.My complaint concerns: a Credit CardDesired Settlement: 1. Remove the Late entrée for March 2016

2. Ensure that Capitol One properly reports accurate information , and not ethical add inaccurate entries into credit file

when the month has even begin

correct my credit report to reflect

March 2016 - "Paid" and settled

Business

Response:

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

Review: My Car was repossessed the day after my payment due date. I was told that one letter being mailed out was enough to warranted this repo. And even if I now go through the reinstatement process this will still be reported on my credit report as repossession. Long story short my payment date was the 7th. My care was repossessed on the 8th. It took this to there their "presidential dept" 4 days I had to wait for them to review my account because I did not agree with their practices and felt this should have never been repoed. As I was going to make 1000 dollar payment that week on the 9th. However, they repoed it. Now they asking that I pay less than what I was going to pay that week about $600 to reinstate however., I now have to face a two month extension on my contract, an increase instrest rate, AND pay for the daily fees for the four days that it was sitting in the repo yard. (Why it took them 4 days to review my account is beyond me.) AND this will still be marked as a REPO on my CREDIT REPORT!

Now that was the part that made me get to this point. Their customer service practice allows them to send one letter. Not even an electronic one as I am set up for to advise of their customers being put in repo status. This makes no sense to me. I do not agree. I now will be forced to pay 600 plus bucks, not bad. extra fees for their slow process horrible. AND this is still going on my report as repo! Why would I consider even doing all of this if this is still going to effect to my credit?My complaint concerns: an Auto LoanDesired Settlement: I want capital one auto finance to not report this as repossession AND they should be the ones to pay for my daily incurred fees at the yard since it was only because of their slow review process that I didn't pay anything the day it got repossessed. My reason for missing the month of Feb. was due to my father birthday. He recently passed away end of august and then my grandmother passed away not even four weeks after that as well. These hardships were already documented on my account. Hence the back payments due to funeral cost. I dont understand how any company can think sending one letter in the snail mail, then having your car repoed the day after the payment due date, AND forcing the customer to be faced with repo on there credit is good business. I also want to see them implement better communciation processes. Why was an email not sent to me of this status? Why was ONE letter good enough?

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.

No is able to tell me if this will be or not be reported for sure. This is outrageous. It MAY be reported is not an answer. This should not be reported because had I received quality customer service the first time I called on the 8th. They would of reviewed my account and offered me an extensions then. Still does not justify why I have to pay any fees for the 4 days it took for your staff to review an account. Had they did the job correctly they would of accepted my offered to pay 1000 the day of the 8th. Instead it took them 4 days to tell me they would accept a little under 700. That extension was not offered to me as curtsey so much as it was the only option or I choose to let to car go. Which I still have every right to do at this point if you end reporting this anyway. So again, my request was to have this not reported, Which you did not confirm at all and to have my fees paid for those 4 days. I want the calls pulled and the multiple recorded conversations reviewed. I want copies now if I may as well. If I have to pay a fee fine. I even had one conversation and no one wanted to tell me what I was owned if they didn't finish their script. That's how I ended up in the presidents office because I threaten legal action if no one wants to tell me how much I owe. No extension was every offered at that time on the 8th and it is absolutely unreasonable that I was forced to wait 4 days because at the time $1000 wasn't good enough to pay Capital one, they asked for 1600, I refused, and had to wait 4 days for you all to come back and tell me $700. Which makes no sense!!! Nope. This offer is declined.

Regards,

Review: I called [redacted] to let Capital One know that it has been well over ten days and I have not received the credit card I was supposed to get. I was going to ask them if they have mailed it yet. I was transferred to some section that dealt with fraud. in order to verity my identity I was asked and I told them, my birthday, my phone number and my social security number. I then asked if the card was already mailed. they said they cannot tell me that information unless they can be sure by asking me more questions. I then told them to cancel my account and the person I was talking to said that's not possible. person's name is [redacted] and his number/identifier is [redacted] all this happened on Saturday 21 February 2015, about 2:15 pm. the conversation lasted a little over 14 minutes. the reason I wanted to cancel was I had experience the same thing happened while I was still in the Navy. one of the sailors applied for a credit card. a card was send and the PIN separately. another sailor got them and started using them. and the bills started coming in. it took a while, but the second sailor eventually got busted.Complaint concerns: a Credit CardDesired Settlement: tell them to cancel my card. I do not know why I have to keep giving any more private information.

Business

Response:

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

Review: For the past 4 years I've been working on building up my credit. I am hoping to be buying my house this summer, depending on my credit report. I was urged to get a credit card and so applied with one from Capital One. I was approved with a 300 dollar limit. Upon receiving, I used it and when the bill was due, paid it off in full. Never did any payment plan or was late. I did this for 2 months when I noticed that they were reporting to my credit. Due to this, they dropped my credit score 41 points. 41! I pay them back and they lower my credit. The chances of me being able to buy my house now seem not possible. Upon learning this, I cancelled my card the same day. I can't afford any other hits to it, because as of now without any resolution, it will take me at least 2 years to recover the hit if I'm lucky. I called them about it and they said it would take 90 days for them to look into this. I simply do not have that amount of time.My complaint concerns: a Credit CardDesired Settlement: I understand on the hits that my credit takes on opening and closing accounts and am not disputing those two. I would like the other hits that lowered my credit scores so much removed from my credit reports. All 3 of the reporting agencies. Since it was only two months, I never owed them any extra, paid it all on time, I feel that them just washing the board clean of this is an acceptable outcome. I plea with them from a regular person that because of the reports that I might not be able to even own my house.

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,

This isn't a final on the response and I do appreciate the help that was given so far. I best felt it would be better to have this in writing vs over the phone so you can see and compare it to your own records for my account. I found the information as far as why my credit score has degraded so much and it does lead back to Capital One. Provided are the details of this. It appears that nothing has been reported to the credit companies since Feb 25, 2016. It's just holding my last balance of 287 which is dragging it down, despite the fact that the account is now closed. This needs to be reported as my balance is paid off and that the account is closed. After talking with both [redacted] and [redacted] about this, they both agree that once it's reported, my credit will rise again, although the damage done to it is unknown until accounts are settled.

Review: I had apply for a [redacted] years ago with [redacted], with no annual fee and a low APR. If a credit card has fees I refuse to get it. Earlier this year I received a new card in the mail for [redacted]. I called the number on the back of the card because I never applied for an [redacted] card. I was told that [redacted] which is affiliates with [redacted] had brought over all of [redacted] credit card. I asked the representative if everything will stay the same and she said yes. About two months ago I received a card from Capitalone again that I did not apply for. I called the contact number on the back and the card was a replacement for the [redacted] card. So [redacted] had sold they card to Capital one. Now I look on my statements and I have been assess a $59 annual fee. I have excellent credit and I do not pay fees on my credit cards with credit limits of 15K, why would I want to have a card with a fee. I was told by customer service that [redacted] sold them the card like that. Why would I start off with a no fee card to then want to pay $59? I never received any letters in the mail that this card was changing until I received them in the mail and I did not know that I would be charged a fee.Desired Settlement: I want my fee back and I would that card replaced with a no annual fee card with a low APR just how I had started out with [redacted].

Business

Response:

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

Review: Capital One has been intentionally posting my payments late since October. Since then, I have incurred a late fee of $25-35 every single month. My payment has been received, but not processed until a day or later after the due date each month from October-March. I have proof from Bank of America that all payments were delivered by the due date as they are guaranteed. Because of this I also lost my 0% interest rate and have been charged interest for the past 2 months. I have called the company and they refused to reverse the late fees even though I have proof of EVERY SINGLE payment being received on time. After several months of them charging late fees, they then increased our payment causing us to have more late fees. As I said, everything can be verified through Bank of America. The date received is on our payment. Just because Capital One did not process it on the date it was received, does not mean that we receive a late fee. Also we just started receiving interest fees although our free for 12 months without interest is supposed to end in August. Capital One claims it was in May, even though our card wasn't activated until August. In summary, from October-March, our payments were posted several days late, therefore accessing a late fee each month, although we have proof of the payment getting there by that date. From March until now, our minimum payments have been raised and different interest charges added, although this time the payment was posted on the right time (even though it was still sent in exactly the same way), and given another late fee (this time due to them changing the minimum payment due to their "error." (purposeful late posting). Once again, all payments are verified to be received by the due date. Copies of every single payment submitted with be gladly provided. This is a really sad situation as I have never had a credit card company do this to me before - to send the payment in time every month and get charged every month is a shame.My complaint concerns: a Credit CardDesired Settlement: All late fees and any resulting interest fees/other fees reversed and an extension of the 0% interest rate due to the inconvenience and time involved that this entire situation has caused.

Business

Response:

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

Consumer

Response:

Hi I just wanted to let you know that I received a letter in the mail from Capital One saying that they reversed all the fees. Glad I finally got this taken care of. Just wanted to let you know that you can close the case.Thanks for your help!

Review: I paid off my balance in full in 2014 with Capital One for my Credit Card. I then paid any remaining interest rate charges. Capital One had a 5.00 monthly service fee so I scheduled a recurring monthly payment of 5.00 from my bank account to cover that. In August of 2014 Capital One apparently stopped processing these recurring charges and began to cite my account past due however they show closing this account in January 2014 after I paid my balance in full. I was sent a letter in December 2014 stating I had an outstanding balance of $89.01. When I pulled my credit report I show them listing me as 120 days past due deficiency. I never received a phone call from Capital One at any time from billing services citing any outstanding balance that I owed nor the fact my monthly recurring payments had stopped processing. I never used this credit card since I paid off the balance in full and scheduled a recurring automated payment due to the $5.00 service fee Capital One charges to own this Credit Card. I consider this unethical practices and unacceptable business practices. In addition I never requested this account be closed when I paid off the balance in full and I now have no access to the account online to view where these additional charges came from and why my recurring payment was never being processed.Complaint concerns: a Credit CardDesired Settlement: I am seeking that my account be amended to not reflect 120 days past due based on the fact I had setup a recurring monthly service fee charge payment online that Capital One had been processing as paid. I am seeking remediation in reporting this closed account status to credit agencies as not 120 days past due and closed in good standing. I do not desire this account to be re-activated as I have no desire to have a credit card with Capital One any further based on their billing practices. I am seeking full explanation of the $89.01 past due balance, why my monthly recurring balance stopped being processed. I am seeking explanation as to why I never received a phone call in 4 months from Capital One stating my account was past due especially after the initial 30 days this past due occurred. This is standard Business Practice and should occur.

Business

Response:

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

Review: I put both of my Capital One credit cards into my debt consolidation (in which they accepted this) and they are still reporting my cards as open on my credit reports and reporting me late every month. None of my other cards are doing this. They reported my cards as closed and have me reported on time. I fell into hard times, and needed to do this debt consolidation. I have NEVER paid any of my cards late and now, this is putting a negative on my credit report when I am already getting a hit on my cbr from doing my debt consolidation. I contacted capital one, and did a live chat with a David M[redacted] (I think his name was) and he stated my cards were never requested to be closed, so I advised him to close them, he refused stating I needed to contact my debt consolidation place before they could close them? I also advised him that they are reporting me late every month on my credit report when they are receiving the payments as agreed upon, and again, he stated I needed to contact my debt consolidation place. I advised him that they would have nothing to do with reporting to the credit bureau for Capital One. Capital one is refusing to close both of my credit cards and refusing to update my credit report that I am NOT late since they are receiving my payments monthly. I made a dispute thru transunion, and it was resolved with capital one not making any changes.My complaint concerns: a Credit CardDesired Settlement: I would like both of my credit cards closed and and ALL of my credit reports updated that they are closed and I have not been late on my payments. They so far, have 3 months showing late on my reports.

Business

Response:

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

Review: I have written server letters to Mr. [redacted] the CEO of Capital one, and he has had several of his employees contact me but none of them, seem to really know what had gone on with my account.

I worked with [redacted] a, Capital one employee to get this account paid off. I paid the account off on Mar 2014, and Capital one has written this paid account off and told me that it was sold with a zero balance. Just the other night a Capital one employee named [redacted], calls me up and asked me what amount was written off on my credit report. I gave him an amount of $1345.86 from one of my credit report, and he turns around and sends this information back to me in a letter today, like I’m someone that is stupid.

Please find attached my personal check, my [redacted] statement where Capital One took $1650.20 , which is what [redacted] said I owed and I paid. But Capital one turns around and tell me that they wrote off $1345.86. Capital One accounts receivable books are off.

I really thought that Capital One CEO, would have had his folks to pull all the conversations that [redacted] and I had, and they would have seem what was been going on with this account. All Capital one did was dismissed me like I was someone stupid.

All I want them to do is show that this account is paid.

Respectfully,

[redacted]Complaint concerns: a Credit CardDesired Settlement: Show that this account is paid on my credit reports. Capital One is cluless about that has happen with this account. They keep saying the same things over and over like that wil make it right.

Business

Response:

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

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.

Because an employee of Capital one called me on the phone during January 2015, and the data that was presented the Revdex.com in this attachment, is the information, that I provided to the Capital One representative. Capital one has not told me any, other that repeat back to me the answer to the questions that they asked me. The information in this attachment is the information that I gave to Capital one.

Regards,

Review: My name is [redacted] and I am a Capital One Account Holder (ending in … [redacted]).

I have been set-up with the auto-debiting feature for quite some time for my monthly payments.

In March of 2014, I had a payment that was auto-debited through Capital One, bounce due to Non-sufficient Funds. Unfortunately, the funds were unavailable due to a checks balance that was placed on hold during this duration. As you will note, I have always been on time, made my payments and so forth.

Since my Capital One Credit Card was linked over to my [redacted] checking, alerts and notifications set as well, I expected a payment to be processed over the next coming days and usually received notice of withdrawal from Capital One, which I did.

I have an alert system set up through Capital One that would allow me to receive a notification, via call, text and email in the event there was a problem with payment processing. In this case, I was never notified or called in order to rectify the situation that payment couldn’t be received to due my [redacted] NSF.

I didn’t find out about my account being exactly 44 days past due until I was ready to make my payment through Capital One once again, and upon my call in, they notified me that they never received the previous payment. Upon questioning the circumstances and investigating further, they noted they failed to initiate or make contact with me, and that they never reprocessed the payment for auto-debit again, which my account was set-up for.

As a result they reversed my late fees and assured me they would go ahead and dispute it. Upon our conversation, the representative named [redacted] opened up a case number for me, listed as [redacted]. She stipulated that it was indeed a Clerical communication error on Capital Ones part. They would contact the Bureau and address the situation to get the credit hits removed. However, upon further investigation into Capital One, I found out that [redacted] had given me a number that was not in the database. Mysteriously even down the line, NO ONE at Capital One could tell me who opened the original case or would look into what the original phone call (though recorded, stored and saved by your company) entailed, which would solve the problem in the first place. After that, I would be sent on a wild goose chase through Bureaucratic and manipulative tasks to finesse this matter.

To further get an update on the matter, I called on May 1st, 2014 and spoke with [redacted], a Capital One Representative who looked through my case number : [redacted] and found that they indeed had sent a letter to the agencies letting them know that my account had gone over 44 days. However, they failed to include in their letter where the error lay at hand, only detailing their side of the story, but not addressing the details in how they laid in error.Complaint concerns: a Credit CardDesired Settlement: A miscommunication has now taken place and instead of disputing it to remove it from my records, I was notified by [redacted] that they instead only sent the main credit Bureau’s, a letter stating that the account had indeed been over 44 days, but with no explanation as to their responsibility for the delinquence and the resolution they made with me and my accounts end upon that day of speaking with [redacted]. Per the original agreement, they would take care of my fee reversals and aquit the note with the bureau, which they failed to do. Since Capital One records all details of calls with customers, I am asking for you to open an investigation and subpoena the calls within your own department. In the calls, you will find all details into this matter, note of responsibility on Capital One’s part, and agreement that they would have these removed. I am asking you to re-open this case, amend and remove my delinquency by sending a letter of detailed information to ALL Credit Bureau’s. Although you have already submitted a note, you have failed to submit a note with detailed information, and your liability into this matter which would have removed my credit score hit. I have worked years as a student to keep my credit score immaculate, and as a result, your hit to my credit score, which is the only one to ever hit my entire credit portfolio, has withheld me from moving, getting a car title, and have had credit card limits placed on several of my other cards. It is a heartbreaking situation to have worked years to build this reputation, and come Capital One to manipulate my account by promising to fix it, then sending me into a Bureaucratic system where there is no resolve, miscommunication by Agents to myself and the run-around of "We did our best," when in reality you just avoided the situation and thought I would be another customer who would get lost in the system. I will not accept that there is no way to getting this fixed, because there's always a way, if there is a will. Thank you!

Business

Response:

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

Review: refusing to to refund deposit per websites information. Website says: Required Security Deposit

$49, $99 or $200 refundable deposit based on your creditworthiness. I was told by two different representatives of CapitalOne a secured deposit will be refunded once account is closed per chat.My complaint concerns: a Credit CardDesired Settlement: Honor the information on their website or correct 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 still is not agreeing to thier advertisement. As I told the representatives I am not talking about my current credit card but the credit card and terms advertised. Please see below:Required Security Deposit

$49, $99 or $200 refundable deposit based on your creditworthiness As you can see below it states the security deposit will be refunded not when you close your account but when you are credit worthiness,

Regards,

Review: Capital One fasley advertises they have a credit steps program for members who sign up for their secured card. However even after emailing CEO Richard Fairbank and speaking with the executive assistant's team I have not been provided with any information on how one is able to enroll in this program.

Today I spoke with Kim at extension [redacted] who basically said the system automatically enrolls clients, but wouldn't or couldn't give details on how the decision is made.

I took multiple hard credit inquries which lowered my credit score in order to apply for my secured card and my Quicksilver card. I make multiple on time payments each month so this is disappointing.

Compeitiors such as Citi offer secured card with a clear path on how to be enrolled in their credit repair programs.My complaint concerns: a Credit CardDesired Settlement: I want to be manually enrolled in the credit steps program and I would like my credit limit on my Quicksilver card increased to $1000 as I have already shown that my payment history is consisent. The low credit limit from my 2 cards dropped my credit score over 100 points. Raising the credit limit will help my score recover and show good faith from Capital One that they wish to keep me as a customer moving forward.

Business

Response:

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

Review: I have been sending correspondence to this company since 2011 regarding two accounts. Each time I attempt having these accounts removed or updated, this institution does not provide the requested documentation or answers. In addition, I contacted Director [redacted], who could not be reached. Eva in the Executive Office could not review the accounts within your company's system and placed the responsibility with the credit bureaus to have them removed, when the credit bureaus place the responsibility on Cap. One. I have correspondence dating back to 2011 to include letters from my financial institution regarding one or two of the accounts. I would like to forward the correspondence as my physical evidence of attempting to have the late payments on one account verified/ removed and the other account removed.My complaint concerns: a Credit CardDesired Settlement: I would like to have the accounts deleted, it's been stressful trying to get the information I am seeking from this financial institution whether in writing or over the telephone.

Business

Response:

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

Review: The past 4-5 years, my account has been monitored and financial information about transactions and balances have been transferred to businesses and venues across town. There are also personal messages often transferred through the drive thru or inside teller. I have reported this several times and it has continued. Even today, the designee manager at a branch I went into heard the complaint from what happened earlier today. Within a 20 minute time frame, the deposit to my bank account was transferred to a local networking group. I reported it and at the end of the meeting this happened again. I am really uncomfortable with this message stalking and about the security of banking with CapitalOne.

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 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: [email protected].

*I received a letter from CapitalOne this weekend in response to this however they denied any tampering with accounts and communicating information about my accounts to other parties. This has been going on for several years. They also guarantee the amount in the account is accurate. Last time I checked there was a significant difference, however I am going to double check the entries today and hope to find the correct balance on the account and then close out the account. I have not had much of an internet connection the past couple of weeks and will be back in touch before the 8th.

Regards,

Review: The company has allowed someone to open a charge account in my aunts name and charge up to the limit. I talked to them a number of times and she also talked to them the best she could (she is 104 yrs old and has dementia). They insist that it is her card even though her name is misspelled and the date of birth is incorrect. No one should allow a 104 yr old to have a card without checking for credit. This is not her card and they will not tell me which state the card was opened in so I can contact the proper police department and they keep sending bills.Desired Settlement: admit that she is the wrong person (especially since her name is misspelled), drop charges against her

Business

Response:

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

Review: I was a Capital One banker and Credit Card holder for many years. I had to recently open up a new credit card with a rival company to pay our daycare on a routine and standardized basis (they only take [redacted]) so I paid off my Capital One and called to have it canceled since they charge an annual fee and I didn't want to leave the account open AND pay the fee.

Once it was canceled, I asked the gentleman If I would have my rewards check mailed to me ($6.00 and change) and he said it was forfeited because I canceled. That is absolutely ridiculous! I earned those rewards and was a Cap One customer for 8+ years and extremely faithful. They should send me a check for what I was owed. If not, I will never think of using them again over greed. I agree it's only six dollars but it's the fact and principal. They are stealing from me.My complaint concerns: a Credit CardDesired Settlement: I would like my rewards

Business

Response:

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

Review: I communicated with the company to pay off a outstanding balance for a credit card account. After speaking with the billing/collection associate via phone, I paid off the outstanding debt in full. I inquired if this account would continue to be reported to the credit bureaus and the customer service representative notified me that the account would be flagged as paid and removed from my credit report. Fast forward to April 2014, I reviewed my annual credit report and noticed that this account is still listed on my credit report. I contacted the collection department to inquire about why the account has not been deleted and they have not responded yet!!!I feel I have been mislead to believe that the successful payment of the debt account would also result in the deletion of the account from my credit report. I do not beleive that I should be punished for the misinformation supplied to me by the customer service representative. Everyone BEWARE!!!! stay away from this company since they are unable to hold up to their end of the deal when speaking with consumers. Never AGAIN!

Product_Or_Service: Credit Card

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

Capital One should delete this account from my credit report as promised by the customer service representive. I do not believe that I should be at fault if the information that the representative communicated to me is inaccurate. The company has already received full payment for the account and should meet the other end of the deal as promised.

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.

I do not accept this offer the the company suggested. When communicating with the company, the representative stated the account would be deleted from my credit reports upon payment. This conversation happened via telephone, therefore, I feel the company should investigate the voice recording further to substantiate my claim. If I had any doubt the the Capital One representative would give me false information I would have recorded the conversation myself. I believe capital one should make good in their promise to delete the account from my credit report. I have paid this account in full with no problem yet the company chooses to ignore statements/promises that they made to me as a customer. I will be sure to take my business elsewhere to a company that chooses to practice ethical standards.

Regards,

Review: Reg: Problem with Capital One Credit Card I am writing to you to describe a problem I had with Capital One CC and hoping for a satisfactory resolution in order for me to continue as their customer for years to come. On December 13th 2012, I called the rewards/ticketing department to buy a ticket for December 19th of 2012 from [redacted] to [redacted]. The agent asked me for what date. I told her that I would be leaving [redacted] on the night of December 18th arriving to [redacted] the 19th in the morning at 6 am and if she could please schedule the flight to [redacted] that same morning. She proceeded to do the reservation. I asked her to send the confirmation email as soon as possible, she said she would. However, I did not receive that email in the next few days and I was checking for it daily. So, I called again twice in the next few days asking for it, they told me they will send it immediately after apologizing. Regardless of my multiple calls, I never received that email confirming my trip, although I was always reassured that I will receive it in the next few minutes but I never received. The morning of the 18th of December, the day before the trip, Concerned about the above, I called to ask for the email again just before going to work. The customer representative told me that my trip was scheduled for that very same day! As you can imagine, I was surprised, distraught and really disappointed: I bought a ticket for the 19th of December and they did the reservation for the 18th and because I never received the confirmation email, I was not aware of the problem in the schedule. I was really upset to hear that, but fortunately, the customer service representative was a very good one and understood my predicament after I explained the whole situation. He said that he would transfer my call to the reward/ticketing department since it was that department the one with the responsibility to have sent me the email in the first place, and that he will stay in the line listening to the conversation. The lady that answered the call in the reward/ticketing department said that she was very sorry but that she couldn’t do anything for me, except to cancel the wrong scheduled trip for that very same day since I was still in [redacted] (and leaving home for an 8 hours shift work) and to book me for another flight for the next day the 19th, (the day I actually wanted my flight in the first place and which they sold to me with the wrong date but never knew because they never sent the confirmation email to me as explained above). So, she cancelled the flight for that day and sold me another one. However, I was charged another 240 Dollars or so on top of the original amount for the cancelled flight, which was about 240 Dollars as well. At this point I did not have many choices, so, reluctantly agreed to pay that for another ticket, but only after the gentleman from customer service, listening to our conversation, interjected in the middle of the conversation with the lady from ticketing/rewards and explained to her that I had not received at any point the email confirming the date and if she were able to do help me better. She said no, that she could not do anything else for me. Then, he advised me to write a letter to upper customer service at Capital one explaining the problem and they would help me without a doubt. Following the advice of the customer service representative, I wrote the letter to the department- upper customer service, expecting a satisfactorily resolution, which was a refund to my account in the amount of one of the tickets-. They did not give me any refund. I wrote again and they did not help me again, instead they said that they actually sent the email confirming the original reservation. I asked for a copy of it and they did not have it. Because they never sent it to me. Then, I told them that I am now forced to write to you Revdex.com and seek your help. I am a new customer with this credit card and my credit score is very high. If this problem is not resolved to my satisfaction, I will have to close my account with Capital one, the same day that I pay of my balance, which I will. I understand they may have some issues that need to be fix in the way one or two of their departments do business (Customer service, reward, ticketing) like for instance, they must be sure that all of their customers receive a confirmation email right after buying a ticket to avoid in the future the repetition of the same problem I had. In the same manner, I asked them to understand that I cannot pay double for the same ticket due to a failure in the way one of their departments is working. I am looking forward to a happy resolution to this problem and continue to be have business with Capital one for a very long time if they resolve this problem to my satisfaction, otherwise, I am out. I am asking for the refund of one of the tickets with all of the interests they have charged me so far for it. Thank you very much for your help,Desired Settlement: I am asking for the refund of one of the tickets, about 240 dls and all of the interest they have charged so far.

Business

Response:

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