Capital One Financial Corporation

Review: I am late on my payment and they somehow got my 88 year old mothers Number and called and harassed her. Then they contacted my sister inlaw. They have no right and are invading my privacy as well as embarrasssing my familyDesired Settlement: I would like them to take all other phone #'s off my file accept my home #

Business

Response:

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

Review: I have 3 credit cards with Capital one. I just called to ask to lower my interest rates because they are 17% - 24% interest. The representative told me they cannot lower it and it may change over the next year because there rates are competitive! They are not competitive. and he did not even check my credit or ask me anything just said no! I find this hard to believe and for them not even checking on my credit and pretty much saying well when ever we feel like it we will lower your interest rate.Desired Settlement: I want my interest rate lowered!

Business

Response:

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

Review: I had wrote a check for myself for $1000 on Feb 19th 2016 from this bank and was going to use it to deposit into my [redacted] savings acct. I use the apps on my phone to do this...Well what I did was I used the Capital One App instead of the [redacted] one to make the deposit by mistake and instead of writing a new check check, I instead used the same check (check #[redacted]) for deposit in [redacted]. Had I known this would have been a problem and a no no then I would have never of done it in the first place. I have been to both [redacted] and Capital One branches to get the matter resolved but all I keep getting is the run around. [redacted] tells me that they are waiting for Capital One to release the funds and mentioned it could take days or even up to a YEAR! Even tried calling but they tell me they cant do anything over the phone since being a paper check supposedly. They say it has to be done at a local branch. Needless to say I DO NOT HAVE A YEAR! I need this money back to me ASAP as I need it like yesterday! I am so angry over this and nobody wants to help expedite this issue. I even tried to do a stop payment on the check to even see if it would speed up the process and correct the issue back a couplke weeks ago but that did nothing and I would most certainly want that $35 refunded back to me as well.My complaint concerns: a Banking Account (Checking)Desired Settlement: Would like to have My $1000 PLUS the $35 STOP PAYMENT FEE returned to me ASAP! I'm going on almost 3 months now with no resolution!!!

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 been a long-standing Customer of Capital One. Recently this year, I signed up for Auto Pay via their online account management system. I routinely checked into my account to assure my auto pay was working correctly - each time, it showed my payments had gone through (I have a screenshot for proof of this). On 5/12/16 I called Capital One customer service due to an alert from my [redacted] credit monitoring service which indicated Capital One reported late payments on my credit file. The service rep informed me that my payments were returned (later discovered this was because they were attempting to deduct from the wrong account type). In any case, I immediately brought my account up-to-date and complained to the service rep that the Account Management website was falsely reporting payment status as OK and did not alert me to any issues sooner. I feel this is the fault of Capital One's system, and had it accurately reflected an issue with my autopay online - I would never had allowed the payments to be late.

My complaint concerns: a Credit CardDesired Settlement: I would like Capital One to fix their Autopay system to reflect returned payment issues. I also expect all negative marks on all 3 credit reports to be removed immediately.

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,[redacted]

Review: Hello Revdex.com Team, My complaint involves Capital One telling me my account is delinquent when I have consistently made payments. I have paid August and September, but they are telling me that my payment for September did not count for September, and was in paid toward August. I paid 150 on September 2nd, 2013, not knowing that that payment would go toward an August amount. Since I had already paid August, I was paying early for my September due date. Sometime in October, I received a call from Capital One saying that I was late for my September Account, and I told them my payment was meant for September's due date. They waived the late fee. I then receive a call today on October 18th from Capital One and I spoke to two people who told me I still owed $25 for September's minimal amount. My payment made in September is for my September due date, so why should I be in collections already? I went ahead and paid the $25 dollars over the phone because I don't want it to be any more late/in collections on an amount that I had already made payment towards. I am completely frustrated and feel that Capital One is taking advantage of me as a consumer due to me falling in one of their billing cycle loopholes. Thanks, [redacted]Desired Settlement: I do not want this to affect my credit, I want them to adjust that payment made in September and put it towards my September 2013 due date, instead of August 2013 due date.

Business

Response:

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

Review: I have had an account with Capital One for quite some time. My account is in good standings and has no late payments, as do none of my current cards or accounts. I recently requested a credit line increase for my account. A credit line increase of 1000.00 was granted by an automated system. A previous CLI of 2000.00 was granted 6 months earlier. There have been no late payments nor any other derogatory issues.

I contacted Capital One to see if there was any way a manual credit line increase of more than 1000.00 could be granted. The first call, I was told that there may be something. After being on hold for a while, the CSA told me that he tried several things and that I could try for another increase the next day. (It has to be 6 months between requests for the automated system to grant a CLI.) On another call, I was told that there was no one who could do that and it was totally automated and I should feel lucky to have gotten a 1000.00 increase. What a slap in the face.

I find it hard to believe the company is totally ran by computers, and that no person can do anything manually. If that is the case, get rid of all the people and save us money!!My complaint concerns: a Credit CardDesired Settlement: Have someone with some authority actually manually help with a larger CLI.

Business

Response:

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

Review: I used my Capital One credit card to make a $1,000 donation to a local charity. I completed one of the nonprofit's preprinted forms and handed it to the co-founder and Executive Director, who gave it to the other co-founder. He used a personal [redacted] account to charge my card $1,000 for his personal use. I filed a report with [redacted], Capital One and the police. The suspect is currently incarcerated and the police tell me this is fraud, pure and simple. That was in August of 2013 and since then I have spent countless hours on the phone (mostly on hold) talking to many different customer service reps and supervisors. I have written letters. In short, I have done everything I know how to do. Let me be clear: the nonprofit did not misuse my donation. THEY NEVER GOT MY DONATION. I believe this is fraud and the Executive Director and [redacted] Police Bureau agree with me, but Capital One has nothing but thank me for my patience while they "review" things over and over again. This has been going on for nearly four months.Desired Settlement: I would like my account credited for the original $1,000 plus any interest accrued over the last four months.

Business

Response:

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

Review: I signed up and received the Capital One [redacted] Card in August 2014 with the promise that if I spent $500 in the first 3 months, that I would get an extra $100 bonus in cash returns. I spent $641.36 on my card in September and fully paid off that balance in October before the due date. I have attempted to contact Capital One about this issue but the credit card department transfers me to the rewards department, which then transfers me to the banking department which then transfers me back to the credit card department.Complaint concerns: a Credit CardDesired Settlement: I would like the $100 bonus added to my card like promised.

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 auto financed a [redacted], while the car was in my possession it was recalled by the factory due to the many accidents the car was causing people, non-working breaks etc. When I returned the car I was told that it would be taken off of my credit, and it has not been done and now it has become an inconvenience because it ruined my credit score and leaving me unable to get loans and find a new apartment. Can you please help me through this situation?Complaint concerns: an Auto LoanDesired Settlement: Have the auto loan removed from my credit.

Business

Response:

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

Review: - I applied for the [redacted] credit card under the impression I was suppose to receive $100 cash back after making purchases totaling $500 within the first three months.

-Their website and other sites have advertised "Earn a one-time bonus by spending $500 on purchases within the first 3 month" with the [redacted] credit card.

-I applied for this specific credit card to take advantage of this promotion and now I'm being told I applied for a different promotion. This promotion has been out for months.Complaint concerns: a Credit CardDesired Settlement: Receive the $100 cash back bonus in my cash rewards as stated in their advertising.

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 10352207, and find that this resolution would be satisfactory to me. The company took swift action and addressed my concerns, I really appreciate that. Thanks again!

Regards,

Review: I honestly have no idea. I found [redacted] on my credit report. When I contact [redacted] they informed me Capital One was who had the account.... Capital On had a company called [redacted] has me turned in to the credit bureau for $33.00! I have been a member for [redacted] ([redacted] First) Premier since 1993. 21 years! [redacted]

[redacted] informed me when their computer system was updated the system changed my address was changed to [redacted] instead of 3[redacted]. the error was on their end.

Now that Capital One took over this account they ([redacted]) can't help me.

I need Capital One to step up to the plate and correct this wrongful, hurtful, information.Complaint concerns: OtherDesired Settlement: Repair my credit and remove this from ALL the credit bureaus.

Business

Response:

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

Consumer

Response:

Dear [redacted], [redacted] states they turned their credit accounts over to Capital One. [redacted] point to Capital, Capital takes no responsibility, [redacted] points to [redacted]....... I honestly have no idea what's going on.

What I do know is its a MISTAKE by others at my expense. I hold everyone involved accountable until my credit is CLEARED! Thanks for the phone call.

Thanks

Review: I applied for their credit card on two different occasions and the second time was for a lesser card that had an annual fee,they responded with a letter saying that they tried to contact me and the reporting agency and that they could not find accurate information on me each time I filed an application. I belong to [redacted] they had no problem finding my information, nor did I receive a call from them as a check of my phone records will prove.

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

Their inquiry's have a negative effect on my credit report I would like to have the last inquiry removed from my credit report.

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,

we are still negotiating and things have not been resolved, I expect to hear from [redacted] any time soon.

Review: I've been a loyal customer of capital one for well over 5 years. I have. Good credit score never miss a payment. They will not increase my credit limit from $300 for over 5 years ago. I have a friend with the same card had his for 2 years and has terrible credit and doesn't make much money. They increased his from 300 to now over 1200 in less then a year. I'm consistently trying to increase my credit score and having such a low credit limit never being increased actually henders me from improving my scores they have caused me to miss out on better interest rates and being able to finance things I have recently acquired another credit card from another company who in just 3 months increased my credit limit +300 without me even having to ask for it capital one is a joke yea they gave me my first line of credit but it has held me back ever sinceDesired Settlement: Would like to be treated like a valued customer after treating them good for so long never missing a payment or going over my limit

Business

Response:

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

Review: I opened a QuickSilver [redacted] account with Capital One. Copied below are the terms (copied directly from their site): Rewards: 1.5% cash back on every purchase, every day [redacted]One-time $100 bonus once you spend $500 on purchases within the first 3 months[redacted] The cash back you earn doesn't expire Redeem the cash back you earn for any amount, any time Get your cash back as an account credit, check, or gift card Additional Rewards information. I spent $500 within the first three months and now Capital One is refusing to honor what's printed in their own terms. I've called several times requesting that capital one credit my account and they've refused ALL times!Desired Settlement: I want the $100 promised in the terms and agreements!

Business

Response:

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

Review: I have been a VERY disgruntled customer of this company ALL year and after speaking to people about my issue, I have been advised to file complaints about what happened to me.

I received a call from this company about a year ago, and was offered enrollment of a program they offered for the holidays for customers. I was told that I could make a change to my payment schedule and take advantage of not having a payment for a while.

It all sounded a little to good to be true, but I continued to ask questions. My MAIN concern was that my credit would not be affected by my acceptance of this program, and I was told it would NOT be.

After enrolling and seeing that the first initial payment wasn't taken out of my account, I called and was informed that the payment date was entered wrong and my enrollment was not valid anymore and that I had to RE-ENROLL, which I did.

And AGAIN, I was told this RE=ENROLLMENT would have no impact on my credit.

Well....It DID impact my credit and those payments were reported as LATE.

Since then I have been just TOO angry to think straight and now I am ready to tell what happened to me and to take the action I need to take against this company.Desired Settlement: I want the LATE payments removed from my account, and I can move forward with my account in the positive.

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 found that there is actually an issue concerning my CREDIT CARD account.So I definitely have to continue with this complaint.

Regards,

Review: I am not able to log into my online account.My complaint concerns: a Credit CardDesired Settlement: I would like Capital One to rectify the issue so that I am able to log in to my account.

Business

Response:

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

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

[redacted] I am still not able to access my account online. I was given a special URL with which I am able to log in to my account, but it is not the "normal" login procedure.

Review: I cancelled my capital one secured [redacted] in early October with a zero balance on my card. The [redacted] I had with them required me to put money down (bare minimum of 300 dollars) so I put in 330, when I cancelled the card, the representative told me it would take 60-90 business days to receive my funds in the mail. I told her that was unreasonable, and unfair, in which she replied call us on Wednesday, and we will put a rush on your cheque. I didn't see the significance of Wednesday, but I played ball and waited a week. When Wednesday rolled around, a representative told me that they could put a rush on the cheque, and it would take between 7-10 business days.... (9th of October) I again played ball and played the waiting game once again. I called today (October 24th) and a representative told me the cheque was sent, and said it should be soon. I told her what I had done so far, and she said I called Monday October 21 and it hadn't been 7-10 business days and to expect the cheque around November 4-5th.... ?? I was under the impression it was already sent, now its another 7 business days? I don't seem to recall calling capital one on Monday October 21st, mostly because I was working that day.Desired Settlement: I dont expect anything other than my funds back as promised, and maybe an apology.

Business

Response:

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

Review: I have been trying to close out my credit card account with Capital One since the 1st week of July. The balance was paid off & the account was supposed to be closed but every billing cycle generates a new statement where miscellaneous charges are being added or processed on the account. The last was 2 charges in August & September from a business we do business with that had already been given a new account # & have told us they no longer have the Capital account info yet Capital One keeps processing the charge. I called them on 10/5 I was told there was a balance of $12.90 from this vendor + a $12 past due fee + a 0.50 cent interest charge. I paid the $12.90 charge & the $12.50 in fees were waived. I was told a "card monitor" would be put on the account so that no future charges could go through. However when I checked the account again today I found a charge for $4.12 on the account. When I called today I was told by [redacted] that it was an unpaid balance from in August as the charge I'd paid on 10/5 was for the charge from September. Yet when I spoke to [redacted] on 10/5 there was no mention of 2 charges for $12.90 & the account was certainly not showing a balance of $25.80 -it was only showing a balance of $12.90 + $12 + 0.50. So somehow between 10/5 & 10/13 this supposed additional $12.90 charge from August mysteriously showed up, then a credit came through from another business for $8.78 (again after the account was supposedly frozen so no further transactions could process) leaving a balance of $4.12 which I've now paid again & assured again that no further charges are supposed to come through on the account. I've been told the account won't close until a billing cycle ends with a zero balance but I keep getting payments billed to an account that supposed to be "frozen" or on "credit monitor" so that no future transactions can process on it by a company that no longer has that credit card info which makes it difficult to get to a zero balance to close the account.Desired Settlement: I want my account CLOSED!

Business

Response:

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

Review: I have an account on my credit report labeled as the following:

CAP ONE

#[redacted]

PO Box 30281

Salt Lake City, UT 84130

(800) 955-7070

Per my credit report the account was closed 11/2006 but no one at Capital One is able to provide me details nor can they find me. I do not want to make a dispute with the credit bureau as I am unsure if the account is really mine or not. I have been on hold for over 2 hours of my day being transferred to multiple departments and no end result. I need this copies ASAP just in case of identify theft.My complaint concerns: a Credit CardDesired Settlement: I would like all my statements for this Capital One account for the entire year of 2006.

Business

Response:

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

Review: Our truck went up for repossession on Tuesday I called that same day to figure out a payment arrangement. I talked to two different people that day got two different answers. I asked what payment options we had to pay off their bill for our vehicle I got two options pay it in full, or $700 a month for 12 months he called it a "settlement". Which would be half of what they want ($14,354.59) $8,400 is their settlement amount. Please note we are a low income family and this vehicle gets my husband to and from work everyday. Now I was told normally this company only allows a full pay out within three months, the only reason we got a 12 month option because we had a previous bankruptcy which the vehicle was included in. This seems a bit crazy, I offered to put $700 down that day to take away the repossession order but then we would have to continue the $700 for 11 months, which monthly we do not bring in that amount, they would not work with us to pay this bill. They would not allow a lesser amount like $400 a month which we could pay, or extend the amount of months to pay it off. Plus the person I was speaking to could not let me as to why we owe $14,354.57, and could not tell me what was owed or if it was a interest rate that was tacked on, he did know that is a different department. So our truck that my husband worked for, and needs to be able to go to work has been repossessed because this company would not try to work with us, I honestly don't understand as to why they wont accept a smaller amount or maybe even extend the time allowed to pay it off. We want to pay them we just cannot afford the amount.Desired Settlement: Instead of taking vehicles why not have other payment options, lesser amount for normal hard working minimum wage people. Make time to pay longer, don't just say this is how much you owe just pay it. Be reasonable which most companies are to a point, other auto loan companies just want money and to them as long as they get paid for that month or weekly they are happy. Please work with your customers don't deter them be reasonable, people work hard for what they have and having a large company I think somewhere you lost the compassion, and the want and desire to help your customer's.

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.]

The letter I received was pertaining to a bankruptcy, not my actual complaint of how they did not have any payment plans offered to their costumers. The only reason we had to a bankruptcy was because they did not offer any reasonable payment plans this solves nothing.