Capital One Financial Corporation

Review: Capital One offered a credit card. I accepted.

The address used for the card is:

I am an expatriate US citizen, born and raised in the. However, I work in Saudi Arabia; I am an instructor at [redacted], in [redacted].

Capital One has "restricted" my card due to "suspicions of fraudulent activity." There has been no such "fraudulent activity." I have explained this to Capital One. Capital One instead insists that I "verify" or "substantiate" my identity. Their demands are excessive.

My complaint is:

1). I owe them nothing. I paid off the card; there is no balance owed. They accepted the money sent to them, but when I attempted to use the card, they demanded that I send identity documents to verify my identity. When I sent them money, no such request for identity verification was made; they accepted the money unquestioningly.

2). They have asked for a). a scan of my Social Security card, b). a scan of my US passport, c). a statement from my US bank (to verify my address), d). a scan of my DD214.

I sent them everything they asked for but drew the line at the DD214. NONE of the above-mentioned documents were demanded to open the account, NONE were demanded in order for them to accept money, but they demand them in order to "substantiate" my ID. Capital One has NO RIGHT WHATSOEVER to possess any of the information requested. I see no reason whatsoever to supply them with such information.

3). Capital One will neither lift the restriction on the card nor will they close the account until I provide them with the personal information that they have demanded.

IN SUM: I wish to have NO RELATIONSHIP WHATSOEVER with Capital One, but Capital One refuses to cancel my account until I provide them with identity documents. I ABSOLUTELY REFUSE and instead demand to have this "master-slave" relationship ended NOW!!!!!My complaint concerns: a Credit CardDesired Settlement: I want either the restrictions on the card lifted OR I want the account closed.

Business

Response:

Dear [redacted],This letter is in response to the concerns you sent to the Revdex.com (Revdex.com) aboutyour request to have the restriction removed from your account. Please allow me the opportunity to address your concerns.I’m sorry for any frustration this situation may have caused you. We reviewed the documentation you submitted and we were able to remove the restriction on August 14, 2015. All of the account terms will remain the same. Our records show that your account was restricted on October 31, 2014, due to fraud concerns. We sent you a letter the same day advising you of the restriction. We take the security of your account seriously and do not intend to frustrate you or inconvenience you in any kind of way.On November 28, 2014, our Fraud Department spoke with you and provided a list of documents needed to clear the fraud concerns. On December 1, 2014, we received two out of the three documents required to clear the concerns. We did not receive a document verifying your Social Security number.On August 14, 2015, we were able to reinstate the account after a further review of the identity documents that were previously submitted and made the business decision to lift the restriction on the account. We apologize for the length of time it took to resolve the issue.If you have any other concerns, please give me a call at 800-955-1455, Monday through Friday from 8 a.m. to 4:30 p.m. ET. When contacting me, please be sure to have the following six-digit phone PIN available: 858834.Sincerely,[redacted], on behalf of Capital One

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:

We contacted this customer by telephone and informed him that we have removed the restriction on his account. He can make online payments. The customer said he is satisfied with our response.

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: 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:

Dear [redacted]:We are writing in response to the complaint that you filed with the Revdex.com (Revdex.com) regarding your [redacted]. We understand that you wouldlike to keep your account open and have the option to transfer funds to your [redacted] before payments are returned. As explained in our November 19, 2014 secured message to you, while we understand you may have available funds in other accounts at [redacted] please know that funds will not automatically be transferred from these accounts to your [redacted] to cover payment to a biller if the amount billed exceeds the available balance. As stated in the Terms & Conditions for [redacted]t, whenever the available balance in your [redacted] is insufficient to cover a withdrawal request (like a bill payment, Person2Person Payment, a transfer, or point of sale (POS) transaction), or if your balance is negative, you authorize us to make a loan to you by transferring enough from your [redacted] (OLoC) to cover the overdraft. Additionally, you may not request an advance from your OLoC that exceeds your available credit limit, and if a biller requests a payment that exceeds your available balance plus the amount of your OLoC limit (set at $25.00), the payment will be rejected. We recommend using Bill Pay to prevent this issue from recurring since the payment will only be sent if there are sufficient funds in the account. Please know that whenever possible, payments are sent to billers electronically and arrive within 2 business days. It’s up to the biller whether or not they’ll accept electronic payments from our Bill Pay vendor. If a payment isn’t sent electronically, a check will be mailed to the biller and will typically arrive within 5business days. You also have the option of initiating real-time transfers from another of your eligible accounts at Capital One, N.A. if those funds are free of any and all holds when they are transferred.That being said, as explained in our secured message that was sent to you on November 19, 2014, we are unable to make an exception to keep your [redacted] ending in [redacted] open. Research confirms that a one-time exception was granted to keep your accountopen on August 1, 2014. You were advised via the Message Center on August 1, 2014, that if any returns occurred after September 1, 2014, your account may be closed. Sincerely, [redacted]

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: I have called the Capital One 360 Customer Service number 4 times over the past two days and spent over an hour and a half on the phone attempting to close a business savings account. I am the owner/sole proprieter and the only person with signatory authority for this account, yet they are refusing to release the funds to me unless I have a linked business account (of which there are currently none as I am in the process of closing the business) or provided documentation of dissolution of the business. I will not be legally dissolving the business until after my 2013 tax return is prepared. Capital One is effectively holding these funds (in excess of $78,000) hostage.Desired Settlement: I want the account closed an my funds released to me immedately.

Business

Response:

Dear [redacted]:

We were recently notified by the Office of the Comptroller

and the Revdex.com or your complaint about closing the Capital one

360 business account of [redacted]. We understand that you wanted

the account closure check send to you in your name, not the business name. We

value your feedback and would like to share more information about this.

We confirmed that on December 9, 2013, you contacted us

about closing [redacted] Capital One 360 business saving

account. You had advised us that the business had been dissolved and request

the account closure check be made payable to you personally. Since the business

was still active with the Washington Secretary State, we had to issue the check

in the business name.

On December 11, 2013, we advised that the account could be

closed but the account closure check would have to make payable to the business

name, At that time, you agreed to the stipulations and requested for the account

to be closed.

We further confirmed that the account closed on December 12,

2013 and a check made payable to [redacted] was mailing to the

address on file in the amount of $78,963.35. On December 12, 2013, and email

was sent to [redacted] providing the status of the account. We had

attached a copy for your records.

I hope this letter explains the situation, but if you have

any additional questions or concerns, please contact me at [redacted] ext

[redacted].

Sincerely,

[redacted], on behalf of Capital one

Review: I am a Capital One 360 Checking and Savings Customer - for almost two weeks I have been locked out of using the iphone App for managing my Capital One 360 Accounts. As of today I have been locked out of ONLINE BANKING in its entirety - meaning I am 100% unable to access my accounts as 360 is a type of account that operates solely via the website. I have made several phone calls to the 800 customer service number. No one ever returns my calls with a solution or even update to the issue as the representatives claim they will. The latest notes I was read on my open technical issue ticket are just that the technical department is aware that some customers are having this glitch with login to the website and app due to the change over from using a pin number to a alphanumeric password - "NO WORK AROUND IS AVAILABLE AT THIS TIME AND THERE IS NOT TIME FRAME FOR A SOLUTION AT THIS TIME."

This is the only information I am being offered. I have no access to either my checking or saving accounts whatsoever and there are no solutions being offered. This is unconscionable and absolutely unacceptable. I am speeches that this is considered an acceptable response - I cannot even close my account easily because there are pending transactions open! Capital One couldn't even offer me an immediate wire transfer to an alter banking institution so I could have access to funds! They simple stated - "yes the time for transfers is at least 2 business days"?! This is so deplorable and such terrible business practice it seems totally illegal to me to withhold ALL banking access with NO solution date and no temporary fix!My complaint concerns: a Banking Account (Checking)Desired Settlement: I want an sense of urgency and a specific date of return of full services! Additional I want an IMMEDIATE wire transfer of my current funds to an alternate banking institution (AND THE FEE FOR THIS WAIVED!). A resolution to this MAJOR issue! And some kind of credit or compensation for this MAJOR inconvenience! In addition what guarantee do I have that once my account access is restored that my account balances won't read ZERO?!

Capital One 360's biggest add campaign is "24/7 Access to your Accounts" way to lock your customers out of their accounts ENTIRELY!

Business

Response:

Dear Ms. [redacted]: We are writing in response to the complaint that was forwarded to us from the Revdex.com (Revdex.com) regarding your difficulty with signing into our mobile app and website. As previously explained, beginning in September 2014, we began migrating existing Customers to choose a Username and Password instead of a Cr/Saver ID and PIN. This new sign-in process allows Customers to use the same sign-in credentials between various Capital One lines of business and to navigate seamlessly between different Capital One websites. After reviewing your situation further, we confirmed that you’re having difficulty signing into the mobile app and the website due to a technical issue with your migration to a Username and Password. Our records show that you previously had two Capital One Credit Cards and you’re online access for those accounts is currently locked. While both of these accounts were charged off and closed, one of the cards (MASTERCARD PLATIUNUM ending in [redacted]) is still enrolled in the website and needs to be removed. Please know that these two factors are the root cause of the technical issue you’re experiencing and they’ll need to be resolved in order to correct it. Please contact our Capital One Credit Card Team to have your account unlocked and to remove the charged off card from the website. The Credit Card Team can be reached at 1-866-750-0873, and are available 24 hours a day, 7 days a week. Once completed, you’ll be able to sign into capitalone360.com, complete the migration to a Username and Password, and access your accounts online or through the mobile app. Please know we’re unable to reach out to the Credit Card Team on your behalf to complete these steps. For security, you’ll need to speak with them directly and be verified before the online access can be restored and the charged off card removed. We also understand that you’d like us to wire funds from your accounts, but we see that you already made the following transfers: ? $756.90 transfer from your 360 Checking account ending in [redacted] to your M&T Bank checking account ending in [redacted] on July 28, 2015. ? $980 transfer from your 360 Savings account ending in [redacted] to your M&T Bank checking account ending in [redacted] on July 27, 2015. ? $20.73 transfer from your 360 Savings account ending in [redacted] to your M&T Bank checking account ending in [redacted] on August 3, 2015 (closed 360 Savings xxxx[redacted]). We can assure you that any remaining funds (after the above transfers were completed) are still in your accounts. Keep in mind that you can initiate transfers over the phone by calling us at 1-888-464-0727. Associates are available from 8 AM to 8 PM, 7 days a week. We see that you called and requested a June 2015 statement on July 29, 2015. After reviewing the phone call you shared with our Associate, he incorrectly advised the statement would be sent to you via email instead of Secure Message. For security, we’re unable to send an account specific document, such as a statement, via email since it’s not a secure way to transmit sensitive information. We apologize for any inconvenience this may have caused and we’re following up with our Associate to prevent this from recurring. Because you’re unable to sign in to the website, we reimbursed the $5 Statement Charge you incurred on July 29, 2015, and mailed you a duplicate copy free of charge. The statement was sent to your mailing address on file and it should arrive within 5-7 business days. Once you speak to our Credit Card Team and unlock your online access/remove the charged off card from the website, you’ll be able to access your eStatements online. While we’re unable to provide you with monetary compensation due to these issues, we’d be happy to reimburse any fees you may have incurred as a result of these issues. Please fax (302-255-3095), email ([email protected]), or mail documentation showing the fees incurred to: Capital One 360 Attn: Customer Satisfaction P.O. Box 60 St. Cloud, MN 56301 Please be sure to note your name and Cr or Username, and we’ll credit the reimbursement to your 360 Checking account. If you have additional questions or concerns about this matter, please reach out to us at 888-464-0727 from 8am to 8pm EST or at [email protected]. Sincerely, [redacted]

Review: I have had Capital One for over a year until recently 2015.I used a Secure credit card and by law my payments were suppose to be reported to all 3 credit agencies. None of my payments has ever been reported to [redacted] and again I had my account open in good standing fora year And a few months. I have complained about it Several times and nothing happened, it was never reported. After I contacted the [redacted] about my payments I received a free report and again Capital One did NOTHING... I have stopped business with Capital and my last complaint was in 2015 and again nothing happened. I never get any phone calls back and nothing is ever reported to [redacted]. After I contacted [redacted] and spoke with a live operator she stated that my payments were supposed to be reported. I was given a number Capital One can call to get this dispute resolved and when I tried to offer it the mgr at Capital One refused it stating they have their own numbers. Although, it appears that they aren't using even their numbers to assist any customers. [redacted]Desired Settlement: Since Capital One advertise that secure cards are to build your credit and payments will be reported to all three agencies, then I need it to be done.Please resolve my dispute by sending ALL of my payments in to [redacted] as advertised.I have made over 12 payments and I would like them all reported.

Business

Response:

[redacted]I am writing in response to your complaint filed with the Revdex.com (Revdex.com)concerning the way your secure card account is reporting to the Consumer Reporting Agencies(CRAs), specifically [redacted]. I have researched your concerns and have some additionalinformation to share with you.This account was opened on January 4, 2013, with a credit limit of $300.00. However, afterreceiving your payment of $25.00 on June 20, 2014, we received no additional payments forfour consecutive billing cycles. This caused the account to be permanently restricted, and onDecember 23, 2014, the security deposit of $300.00 was applied to the balance. This creditappeared on your January 2015 billing statement and brought the statement new balance to$141.36.When no further payments were received, this account charged off on March 19, 2015, with abalance of $146.69. For your review, I have enclosed statement copies from January 2013through March 2015. These statements show the progression of the account balance from thetime it was opened through charge off.Please note that Capital One does not report specific payment amounts to any of the CRAs.Additionally, we are accurately reporting this account to all of the CRAs, including [redacted],as charged off. [redacted] has advised that they have multiple credit files open in your name,which could be causing some confusion with the reporting. If you would like more informationabout this matter, please contact [redacted] directly. I am providing their contact informationfor your convenience:[redacted] Corporation

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: Dec 29/2014 I had over $ 4000.00 dollars of fraudulently charges put on my Capital One / [redacted] credit card within 50 minutes.

Under Canadian law a credit Card Company has to credit the card back the fraudulent charges within three months.

We are now going on four months and I continue to get pushed aside and lied too and still have not received the full credit for the fraudulent charges on my Capital One / [redacted] Credit Card.Complaint concerns: a Credit CardDesired Settlement: I would like the credit to go to my Capital One [redacted] Card and a apology

Business

Response:

[redacted]

[redacted] Our customer mentioned thatthey had over $4000 dollars of fraudulent charges on their [redacted] Capital OnePlatinum MC and were requesting the charges to be reversed. The customer fileda Revdex.com (Revdex.com), complaint. Our research shows on Jan 22/15, thefraudulent charges in the amount of $4137.98 were reversed by the Fraud Dept.The remaining $115.59 were not credited for the two transactions from[redacted]. On Apr 29/15, Capital One credited $116.14 (remaining fraudulenttransactions & interest) to the customer’s account. On Apr 29/15, theletter was sent to the customer and provided him with the case resolution.Also, the call was made to the customer on Apr 30/15 and advised him of theresolution. Apologized for any inconvenience caused to them. As a gesture ofgoodwill, a credit of $100 was applied to the account.

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 held this credit card since 2004-I was being billed an annual membership fee of $29.00. I paid the card off last year and contacted the company and informed them that I paid the card off and did not wish to continue with the card if it had a fee annually. When I reviewed my online bills they again charged the $29.00 fee even though I never activated the current card to even utilize the account-I called 2 different people in their customer service department who refused to credit the fee despite me closing the account with them and never activating the new card for this account to even utilize it.Desired Settlement: $29.00 fee from Capital One removed from my account. I was never even mailed a statement of this charge it was just placed on the account then marked late and charged interest fees (they did credit the late fees)

Business

Response:

This matter is considered resolved. I called customer on 10/01/2013 advising that the request had been initiated on September 27, 2013 upon account closure. When the customer called and closed account on September 27, 2013, the Annual Maintenance Fee of $29.00 was reversed at that time. Customer satisfaction inconclusive. This matter is resolved.

Review: my payment was late for the month of February , when I received my march bill, it stated the new payment for march and reminded me to avoid missed payments. It does not state the card is being put on hold, or to make a payment immediately. the instructions are clear to make the new payment by the payment date provided. If they are going to put a hold on your card, should it not be required to notify you on your next statement, or better yet a phone call? No other service discontinues its product without warning, this is not acceptable.

Product_Or_Service: Credit card

Account_Number: account ending in **Desired Settlement: DesiredSettlementID: Other (requires explanation)

Re enable my card, and change the information on the statement to warn customers their card is being put on hold until payment is made. The statement sent does not even suggest this as a possibility, it only states to make payment on the date provided

Business

Response:

Revdex.com No:[redacted]Capital One[redacted]CustomerName: [redacted] Our customer was concerned about not receiving notification by phone or statement regarding the hold which was put on his card. Customer filed a Revdex.com (Revdex.com) complaint on Mar 12/15. Our research shows that the hold was placed on the card as customer did not make his monthly minimum payment of $88 on Feb 21/15 due date. Capital One had sent statement to the correct address on file on Jan 26/15. On Mar 16/15, we called the customer and provided with thecase resolution. Customer was advised that the hold was placed on the card because the payment was not made on time by the due date. To avoid the future holds on the account, customer was advised to make their monthly minimum payment on time. Good will credit of $150 was applied to the account due to any inconvenience caused to customer. Customer was satisfied with the case resolution.

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, they have given me a good will credit on my account, but they have not actually corrected the issue, so it still may reoccur in the future. Should this occur I will submit a separate complaintI 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 a[redacted]

Regards,

Review: I have been charged for late payment for Sept 2013. I logged online 9/6/13 and my account had a zero balance. After speaking to the representative today 9/23/13 she agreed it was a zero balance the beginning of Sept. How is it that after showing zero balance, I can be charged a late fee and a member fee be added from Aug that did not show on my bill??? The representative told me to call and check in the future. I have had this account for years was Orchard then changed to Capital One, never have I needed to call and check!!! Sept 6, 2013 I had a zero balance! How can I possibly be late and charged?Desired Settlement: I would like my account to reflect that I was not late. I would like to be credited for the late payment charge.

Business

Response:

We spoke to our customer and advised late fee was credited to the account previously and no credit reporting took place as a result.

Review: I purchased 2 bedroom sets in 2003 from [redacted] in Cherry Hill, the first set was $1000.00 the second set was $3,500.00 after tax and interest the bill was around $5,500.00 total and it was interest free for the first year if paid in full, I did not pay it in full by 2004 so more interest was added on, It is now 2013 10 years later and the $5,500.00 bill is still being paid. I have bought and paid a $20,000.00 truck off in 5 years and somehow I am still paying for a $5,500.00 bedroom set that I have had for almost 11 years now. I don't think that Levitz which is now Capital One is applying payments correctly to my account. This account should be paid in full by now even with me just making the minium payment for 10 years!!Desired Settlement: I would like for this CC to be paid in full the balance to be written off. I have paid each and every month for 11 years on this card and it should be paid in full. no credit card takes 11 years to pay off...

Business

Response:

Resolution - [redacted] called in, verified account info. I advised that in reviewing statements, I determined we are able to credit the account balance for the $[redacted] in fees that were assessed in 2012, and $[redacted] in fees that were assessed in 2013, which would leave a remaining account balance of $760.59. [redacted] accepted the resolution and advised she will try to have the remaining balance paid off in January when she gets her tax refund. I advised the balance will still be subject to fees until the balance is paid in full. Closed case via phone - customer is satisfied with resolution.

Review: they keep charging me a pass due fee and I was told by a lady there that my payment would only be 19.00 and so I made a 25.00 dollar payment and on 9/06/13 the late fee was accredited tomy account and I had available funds and I used them... and to my surprise I was charged a pass due fee again...and the guy I was talking to didnt understand what I was explaining...and I got frustrated and hung up...because he kept saying the same thing over and over again. credits can not be used as payment methods and I told him I knew that but he kept saying the credit can not be used as a payment...and he didnt understand what I was saying...I was not late on my payment because I was told I only owned 19.00...Desired Settlement: I want my credit card account ending in [redacted] to have the past due fee off and to quit telling me different stories

Business

Response:

I spoke with the customer and per her request, we waived the most recent charge of her Annual Membership Fee and removed the fee from the current account terms. All other fees on the account had been waived prior to the account reaching our office, so we had the minimum payment amount for her current billing cycle reset.

Review: I used my credit card in November the statement balance was $15.97. When I used my card in the month of December they charge my account $[redacted] I call them and told them they were fraud charges.No one correct the error.When I used the card in the month of January the total bill is $[redacted]Complaint concerns: a Credit Card

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com No: [redacted] Dear [redacted], Your complaint to the Revdex.com was forwarded to the attention of the Executive Office for response. This letter serves as a follow up to our phone conversation on January 29, 2015.You confirmed with me that the last contact with Capital One was a phone call on January 9, 2015. The agent you spoke with went over each transaction with you and added them together. During that call, you did not identify any transaction that was fraudulent, and agreed that when they were all added together, the total statement ending balance of $[redacted] was correct. During our conversation, I asked if you found any transactions that were fraudulent, and you again confirmed that they were all valid. Please know that if fraud ever does occur on your account, we will fully research it for you; however, at this time, no fraud has occurred. For your reference, I have included a copy of the statement dated January 3, 2015. We appreciate the opportunity to address your concerns. If you have any additional questions, you may contact me at [redacted]. I can be reached Monday through Friday, from 8 a.m. to 4 p.m. ET. Sincerely,[redacted], on behalf of Capital One

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 member of Capital One for the past 7 years. My credit is fairly decent with a score of about [redacted]. I make over $109,000 a year. My average credit card limits are about $50,000, give or take. Capital One has had my limit at a measly $1,250 forever. I requested MULTIPLE times for them to raise my limit. For most banks, they would REVIEW your credit and make a decision. However, Capital One simply refuses to review your credit and profiles you based on who knows what. Their customers service reps don't do anything but read off a screen. They could care less you are a customer and could care less you ask for a supervisor. They hang up on you, yell at you, tell you to get a different credit card somewhere else. When they do transfer you, they just send you to another rep instead of a supervisor like you asked for. When you ask for the Executive Office contact information, they ignore you and lie to you saying there is no such thing. They lie to you. They rope you in with annual fees and subprime rates for customers who make six figures and then hold you hostage, because if you cancel the card, you will hurt your credit because of the age of the credit line. They are running nothing more than a scam, and they steal from the poor and make them poorer.Desired Settlement: I want my credit increased to a rate that is comparable with my other credit cards. I want to be treated like a real customer. I know people who make half of what I make, with credit comparably the same who have limits 20x's what I have. I do not want to continued to be profiled. They have insulted me and angered me enough that I will not stop now. I will file every complaint in the book possible and I will SUE THEM if they do not treat me like I deserve.

Business

Response:

The customer filed a complaint because he wanted a credit limit increase and card upgrade. We were able to partially increase his credit limit and added a Cash Back rewards program to his account.

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: [email protected].

Review: Name on Account: [redacted] We are writing to you to seek final resolution on the account listed above. Upon the death of her spouse, [redacted].[redacted] on 3/17/13, [redacted] was widowed and left with enormous debt incurred from her husband’s gambling habit. She also found out, her husband had opened a credit card account with Capital One using her credit. Since his passing, we have been working with [redacted] to settle the debts she is now responsible for due to her husband using her credit history. On 6/9/13—we called Capital one and spoke with customer representative, [redacted] (female) and told her the situation [redacted] was currently in at Capital One. Nevertheless, we made it clear we wanted to “do the right thing” and pay off the debt owe. However, we could not pay all of it due to the lack of resources in her possession. We tried to find an amount that would satisfy her debt and at the same time fully close the account on “good terms”. The agent, [redacted], referred us to her supervisor, [redacted] who worked with [redacted] to settle on the amount of $4408.10 to fully settle her account. On 6/22/13, [redacted] wrote out a personal check for $4408.10 and mailed in the payment with a note indicating that this was the amount discussed and agreed by Supervisor [redacted] The check was cashed on 6/27/13. On 8/5/13—[redacted] received a bill for $915.96 from Capital One—this is purely based on interest. Capital One had not accepted our payment to settle and close the account. On 8/11/13—we called Capital One once again and this time spoke with agent [redacted] (from [redacted]), explained the entire story with her and she referred us to an agent in “escalations” named, [redacted] ([redacted]). We once again went through the entire narrative and he referred us to put all this in writing and send it to the Capital One Correspondence department. We did not get a decision or communication from Capital One, but rather, another statement arrived on September 2013 in the amount of $954.96 (with an additional past due charge of $39). In the breakdown of this bill it states that $117 were from Capital One Fees and $728.63 was from Interest. On 9/19/13, we called Capital One, talked to agent [redacted], and he referred us to the Collections department at Capital One---we spoke with agent [redacted] who helped us settle the account as MANUAL SETTELEMENT EXCEPTIONS. We were told to check on the status of this request during the middle of the week of 9/23/2013. We called on 9/25/2013, spoke to [redacted] who notified us that our request was denied because the bill was due on June 22, 2013, but they cashed the check on 6/27/1313. We were hoping that Capital One would accept her payment of $4408.10 as good faith payment to settle and finalize her account with Capital One. She really wanted to “do the right thing” and pay off what she could to Capital One We really hope this communication will be taken into serious consideration and that the outcome will work to a final resolution for all parties.Desired Settlement: We just want Capital to accept the good faith payment of $4408.10 agreed upon on June 9, 2013 as the final payment to settle and close the account

Business

Response:

We have received the complaint through the [redacted] ([redacted]) and will be responding via that channel.

Review: I have contacted capital one several times making a settlement on my accounts ending in [redacted] and [redacted] spoke with several people with not any return contact. I spoke with shekeya jakson never returned call after repeatedly calling her. [redacted] Johnson told me she would look into account never called back and Amanda told me she cant deal with the case it is already assigned to someone. I have emailed and called all of these people in the executive office and nothing . I just am asking for my credit reports to be fixed and updated.My complaint concerns: a Credit CardDesired Settlement: I would like my credit report corrected with correct information after I contacted capital one and in good faith settled my debt! I was told after settling these account they would be reported as a zero balance to my credit report that is not the case they are still reporting a balance. I would like them report paid and zero balance . I have even emailed the CEO [redacted] 3 time to clear this matter up. I am in good faith contacting this company this false reporting is severally impacting my credit and would like to buy a house. so please correct the credit report . I have paid my debt. I do not want them to contact me just send me a letter saying it was fixed or give me a letter to send to the 3 credit bureaus. thanks so much [redacted]

account numbers are [redacted] and [redacted]

Business

Response:

Dear [redacted]I’m responding to your additional concerns submitted to the Revdex.com (Revdex.com),about information we’ve reported to the Consumer Reporting Agencies (CRAs), like Equifax andExperian.Upon receiving your first complaint from the Revdex.com and researching your concerns, I located aletter dated March 6, 2015, stating that you had received information from your attorney. For thisreason, [redacted] and I were unable to return your calls immediately. I was unable to locateany records of attorney representation and thereafter, we were able to contact you and yourspouse, [redacted]I’ve reviewed the conversations with our Recoveries Department on February 1, 2016, andFebruary11, 2016, and confirmed that we did not discuss with you and/or Jessica Garcia thereporting of your accounts after the settlements would be satisfied. We are unable to report theaccounts as paid in full as you paid less than the full balance. Please refer to the enclosedresponse for more information as to when you can expect the CRAs to reflect the settlementreporting.If you have questions or concerns, please give me a call at [redacted], Monday throughFriday from 8:30 a.m. to 5:30 p.m. ET. When contacting me, please be sure to have thefollowing six digit phone PIN available: [redacted]. I’m glad to help any way I can.Sincerely,

Review: I have an account with sharebuilder. Recently a question came up about my wife's date of birth and whether it was correct in the records. Instead of calling me or asking for a clarification, the customer service representative restricted/ blocked my account without ever notifying myself or my wife of this action. They just blocked my access to the account with no notification or explanation. When we tried to use the account, it still took days to have the issue resolved . This is criminal. To block my money without the curtesy of telling me about it. The customer service representatives were disrespectful and not helpful. Each time I called, I had to speak to a different representative who gave me completely different information. Unbelievable.Desired Settlement: An explanation and maybe compensation for the HOURS I spent talking to multitude of bratty service representative in my attempt to regain access to MY account. Unbelievable.

Business

Response:

September 5, 2013

In response to Revdex.com Complaint [redacted]

I am writing in response to the above referenced complaint submitted to the Revdex.com (“Revdex.com”) and received by Capital One ShareBuilder, Inc. (“ShareBuilder”) on August 21, 2013. In this complaint [redacted] expressed concerns regarding access to her account.

As you may know, ShareBuilder is an exclusively online and customer directed brokerage service. Therefore, because we do not have face to face contact with our customers, as a safeguard we do everything we can to ensure our customers’ funds are protected and not misused.

When we reviewed the interactions taking place between [redacted] and our customer service representative, we had concern that the customer date of birth information was not properly reflected in the customer’s account. During a phone conversation on 7/18/2013 in which the customer provided two different dates of birth and was unsure which date matched account records, we informed the customer that we may place a restriction on her account until she can update her date of birth. Then on 7/19/2013 we sent an email informing [redacted] that the account would be restricted until a valid date of birth was provided along with a notarized account change form and a birth certificate or driver’s license. [redacted] called on 8/12/2013 about completing a transaction on her account, and was informed that she would be able to complete a transaction by calling customer service, however she was reminded that she needed to provide valid date of birth documentation to lift the restriction off of her account.

On 8/13/2013 we called [redacted] to let her know that we received her fax on 8/13/2013 of her driver’s license but we needed a birth certificate to validate the date of birth listed on her account. [redacted] informed us that she was born in [redacted], Ukraine and that she did not have a birth certificate available. The customer service representative let [redacted] know that, due to the circumstances, ShareBuilder would provide an exception and accept a copy of her passport to validate her date of birth information.

On 8/14/2013 we received a fax from [redacted] which included a signed notarized account update form, certificate of naturalization, and passport. The documentation reflected her DOB as a different year than was reflected on her driver’s license and account. We updated her account and lifted the account restriction on 8/14/2013. We called [redacted] on 8/14/2013 to confirm that we received the documentation and lifted the restriction, in addition to providing her account with 5 trade credits. Also, as a gesture of our goodwill and appreciation of her business, we have just provided [redacted] a [redacted] credit to her account.

We sincerely regret the frustration this experience may have caused [redacted] and trust that the above explanations have clarified the events surrounding her concerns. We appreciate her patience as we worked through this important issue to ensure accurate information was captured on her account. We wish [redacted] success in her investing in the future.

Would not recommend this service due to any number of people you may have contact within this company regarding financial issues related to credit card use.
Responses generally seem positive until you hang up the phone and you continue to get letters that are either outdated in context or expose their ignorance as not properly reading or listening to consumer complaints.
This is a repeated problem with this company.
Poor customer service and follow-through.
Recent inserts in Wikipedia related to terms and conditions (2014) apparently allow this company to come to our home, place of work, [a] spoof Caller ID - CUSTOMERS BEWARE.

Capitol One's new mobile deposit limits:

Dear Capitol One: I've owned a small business for years. I have a full accounting staff and legal team in place should I have a bounced check or any other such issue.I take full responsibility for all the checks I accept and don't need an overzealous bank micromanaging my transactions. Your sudden interest in limiting the amount of money I deposit on a monthly basis into my business and personal checking accounts via mobile deposits only accomplishes a few goals. 1) It frustrates me a great deal. When I cannot deposit more than $1000 a month it's pretty outrageous. 2) It inconveniences me. I have to plan time out of my very very busy schedule to drive to the bank and make deposits, which is counterproductive. I really have to ask myself, why am I banking at a bank that doesn't want to let me deposit money into my account via mobile deposit?

Crapital one has another unsatisfied customer! Imagine that!! I've had my auto loan through them and when I went to refi with another lender with a [redacted] of a better rate, things went down hill fast. It's been 14 days since I signed papers to refi and the check for the pay off was sent that day. But with Crapital One, they haven't gotten anything. I signed my title to the new lender and everything and now Crapital thinks I owe them money. Not happening. They call every freaking ten minutes wanting to know where their money is and everything. They are no help when you do ask questions, most of them are dur-da-durs on the phone, most of the people are rude, some don't hardly speak english, and when you want to speak to a supervisor or manager, good luck. I will never go through these a-holes again for anything. Not a car, not a credit card, nothing. If I can't pay cash I don't need it. This company can fall off a cliff for all I care. Look at your options for when you do need a loan. Just don't give your business to them ever.