Capital One Financial Corporation

Review: I have had my account with Capital One for 4+years. My account is in good standing and my credit score is great. My Capital One card is my only [redacted] and I would like to be able to use it for my day to day purchases but the company refuses to increase my credit line for me to do so. They give no reason for this decline.Desired Settlement: I would like my credit limit increased generously to reflect my good credit and my good standing with my Capital One account.

Business

Response:

The customer sent a Revdex.com complaint as well as an unsecured email in regards to not receiving a credit limit increase. Her

request was approved in full. We called the customer and left a voicemail informing her of the approval.

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 received an unsolicited credit card from Capital One alleging that I had applied for it.Complaint concerns: a Credit CardDesired Settlement: I have received a number of other unsolicited credit cards from other companies, and the [redacted] has opened an identity theft investigation on my behalf. I want all my information at Capital One to be deleted and for them to stop contacting me.

Business

Response:

Dear [redacted],I’m reaching out to you about your complaint to the Revdex.com. We would like to try to help you with this.I attempted to contact you by telephone; however, was unsuccessful. Please call me at your earliest convenience at the number below in order to clarify your concerns. Once I receive additional information from you, I can check into this.If you have additional concerns, please give me a call at ([redacted], Monday through Friday from 10:30 a.m. to 7 p.m. PT. I’m glad to help any way I can.Sincerely,[redacted]

Review: . There has been several major discrepancies with Capital One . Recently my card was refunded 1369 by [redacted] and [redacted]. I called Capital One and was advised that the money was available for purchase. The following day I attempted to re purchase the item from [redacted] for 1369 but there were insufficient funds. A capital One representative advised me that I only had $500 available for purchase. I asked how was this possible, I was transferred from representative to representative who just listed various small amount transactions starting in August. They could not tell me why the 1369 was available on 11/6 and not available by 11/7. Finally a representative advised me that $800 was applied to the card balance, which I disputed because my minimum payment was only $200 dollars which I paid on time. The representative also listed purchases that were returned for insufficient funds stemming from another incident. I explained to her that these items were never charged and I never received them. To add to this confusion Capital One has been transferring available funds from one credit card account to another without consent or notification. I would like my funds returned and some clarity on what has been occurringDesired Settlement: I would like my funds returned and some clarity on what has been occurring.

Business

Response:

Our customer is expressing concerns with the balance on the account. Our records show that payments of $1,500.00 and $2,100.00 were received on two different accounts. Those payments were transferred between the accounts several times. The $2,100.00 payment was returned unpaid by the bank and it was applied to the balance of the account ending in [redacted]. The $1,500 payment was credited to account ending in [redacted]. The balances on both accounts are accurate at this time. We have also advised our customer that there was a charge from [redacted] that was disputed and a provisional credit was issued. We have advised how the provisional credit works and the dispute process. We have also advised our customer that the balance on the account was accurate at the time of the provisional credit due to the $2,100.00 payment that was not paid by the bank being applied to the balance.

Review: Between Nov. 29, 2013 and will end at 11:59 PM ET Dec. 2, 2013 Capital One 360 offered a promotion whereby any individual opening a new ShareBuilder account with promo [redacted] and made 3 tradest by Dec. 27, 2013, would receive an additional $150 account bonus. Having met all of the requirements for the promotional credit, Capital One 360 has failed to fund my account with the advertised promotional credit.Desired Settlement: I would like to promotional credit of $150.00 to be applied as well as the removal of all trades fees as a result of having to file this complaint.

Review: Capital One has failed to delete an authorized user account from my credit report.Desired Settlement: Capital One has failed to delete an authorized user account from my credit report in which I am not legally responsible for. Under the [redacted] they have 30-days from notification to remove inaccurate information and update the Credit Bureaus. They have failed to comply. Due to this I have been denied home financing. The account needs to be deleted immediately and I request a letter be sent to me as verification.

Business

Response:

The consumer is concerned about an account on which he was formerly listed as an authorized user. This account was still listed on his credit profile despite his requests to have it removed. We contacted the consumer reporting agencies and notified them that he is no longer an authorized user on this account and to delete the tradeline from his credit profile. We contacted our customer by phone and advised him that we notified the consumer reporting agencies to remove the tradeline from his credit file. We also advised him that he should allow up to 60 days for the consumer reporting agencies to update his credit profile.

Review: I have been disputing this cause capital 1 will not take responsibility for not having the correct information to properly send me my bill as my original creditor [redacted] I would like this removed from my credit report asap I had called and gave capital one my current address and email after they have failed to send my bill and also once received it was already late I paid my account in full and closed my account if you look at the account there had been no charges up till that point and no bill was sent to me until I had called I gave them the current address and the correct email the email they had on file was completely wrong. I would really apperciate this be removed from my credit report asap and thank them for there time and quick response to this complaint.My complaint concerns: a Credit CardDesired Settlement: Please remove this negative item from my credit report and I do thank you for your time.

Business

Response:

Dear [redacted], This letter is in follow-up to our conversation on October 27, 2015, and your concerns submitted to the Revdex.com about the reporting of your account to the Consumer Reporting Agencies (CRAs). We reviewed your account and made a decision to delete the 30 days past due from January 2015 as the balance consisted of fees and interest. On October 27, 2015, a request was submitted to the CRAs, the confirmation number of this request is [redacted]. Please keep this number for your records. Please allow up to 60 days for the update to report on your credit file. Our records show that on March 19, 2014, your email address was updated to [redacted] from [redacted]. The email address we have on file is also the same email address you provided in your complaint. We have no record of any other requests of updating your email address. Your November 2014 billing statement closed with a balance of $59.58, which consists of a $59.00 Annual Membership Fee (AMF) and $0.58 for Personal Account Protection Elite. Your minimum payment of $25.00 was due by December 16, 2014. Our records show no payments were received from December 2014 through January 2015. The account was reported 30 days for the month of January 2015 as no payment was received. The account was billed a past due fee in the amount of $25.00 for the month of December 2015. A $35.00 past due fee was also billed to your account for the months of January 2015 and February 2015. Your February 2015 billing statement closed with a balance of $124.24. On February 17, 2015, we received your online payment in the amount of $175.16. This payment paid your account in full and created a credit balance in the amount of $15.92. We were able to locate the call of February 18, 2015, in which you spoke with our Customer Service Department to close your account. You informed the agent you were not receiving statements and was not aware you had been billed for an AMF of $59.00. The agent informed you that you were signed up for paperless statements and we were sending email alerts advising that your statements were available online. On this same day your account was removed from paperless statements and your address was updated to [redacted], per your request. Our records show a credit balance refund was requested on March 6, 2015, in the amount of $15.92. If you have any questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 7 a.m. to 3:15 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy to help in any way that I can. Sincerely, [redacted], on behalf of Capital One

Consumer

Response:

I am satisfied with the companies decision to this matter. I thank them for working with me and I have no further complaint at this time.

Review: purchased car through Capitol One on 9/6 on 9/13 they rejected our original contract. On 9/25 they approved a new contract but again rejected it On September 6, 2013 we purchased a car from [redacted] in [redacted] via financing through Capitol One Auto Finance. On September 13th we were asked to add my income to the loan. On 9/25 we recontracted the purchase of the car with Capitol One. On 9/27 Capitol One faxed an approval to the dealership. Later that same day they called the dealership to state they were rejecting the contract a second time. The second denial came because I am on disability and they believe I might go back to work since I have not had the disability for two full years. We surrendered the vehicle to [redacted] on 10/8/13. We paid insurance on this vehicle without the knowledge it was not in fact our car.Desired Settlement: I would like to see our funding reinstated and our vehicle returned as well as a refund of the amount of the insurance paid on the vehicle.

Business

Response:

November 4, 2013

[redacted],

I have reviewed the situation you explained to the Revdex.com and want to address your concerns. We apologize for any delays you may have encountered attempting to get clarification on this issue.

In reviewing this matter, proof of income was needed in order to approve the contract. Our Capital One Auto Finance sales team has agreed to use the disability as income. Our records indicate the contract was approved and the vehicle was delivered on October 24, 2013. We must respectfully decline to provide a refund in the amount of the insurance paid on the vehicle. You may check with your insurance provider to find out if a refund is applicable in this case.

We regret any inconvenience this matter may have caused you. If you have additional questions, please contact our Customer Service Department at [redacted]. If you have questions regarding this specific response, I can be reached at [redacted].

Sincerely,

[redacted]On behalf of Capital One

Review: I submitted a $3000 check to a dealership, for a car, and then found out the car had numerous problems. I called the bank the next day, Saturday, to put a stop payment on the check 5/17. [redacted] at Capital One told me that it would be stopped, and that even if my check went thru, I would still get the money back subsequently, from the bank. I checked on that refund Monday and Tuesday, and 2 bank employees told me that the money/refund would be in my account at midnight that evening. [redacted], an account manager then told me that [redacted] had processed the SP wrong, and now my account was in the negative. She said the only thing I could do was go file a claim in a branch, against the dealer and attempt to recoup my $ that way. [redacted] told me the same thing, and worked with me on the claim - she said I had a good case, and we could work together to fight the dealer, since he had the car back and that did not look good for him. However, the dealership was unresponsive - [redacted] the owner was evasive. So then the bank said I had to go to small claims court to get my $3000.

The bank began to back off more and more and provide less help; they avoided responsibility, even though they knew they had messed up. I pursued the matter further, and spoke with an Executive Manager 6/23--i believe his name was [redacted]. He again avoided any blame, and indicated that the bank had done everything they said they would - and processed the check the only way they could; which was misleading and grossly insufficient. He did not even admit as much as the other Account Mgrs. in saying they made a mistake!Desired Settlement: I want the bank to give me $1000 for the hardship I had to go thru in purchasing that car. I had to go pay for the rest of the car, since I could not recoup my $3000. So I have a car that needs numerous repairs, and has cost me. The bank was negligent. I also want the bank to formally admit that they mishandled my case.

Business

Response:

Dear [redacted]:

We are writing in response to the complaint that you recently filed with Revdex.com (Revdex.com) about a stop payment placed on your account ending in [redacted]. We understand that you would like for us to credit your account for a $3,000.00 check to [redacted] that was paid on your account. We value your feedback and hope to address your concerns.

We have reviewed your account, and our records show that you called us on Saturday, May 17, 2014, and requested a stop payment for a check in the amount of $3,000.00, payable to [redacted]. Because the stop payment request was received on a non-business day, the request was placed in the system for processing on Monday, May 19, 2014.

In the meantime, the item was presented for payment on Monday, May 19, 2014, prior to the completion of the processing of the stop payment request that had been received on Saturday. The item was paid, and the transaction posted to your account that same day. We note that we did not need the check number in order to place the stop payment request, and apologize for any confusion on that.

As per our Rules Governing Deposit Accounts, we require a reasonable amount of time to act on a stop payment request. In your case, the payment was presented the next business day after you submitted your stop payment request, which did not give us adequate time to complete the processing of the request. We've enclosed a copy of our Rules Governing Deposit Accounts for your reference.

We know this is not the outcome you were hoping for, but in light of the above, we respectfully decline your request to credit your account for $3,000.00.

If you have any questions or concerns, please reach out to us at [redacted]). Associates are available Sunday-Saturday 7 am - 11pm. EST.

Sincerely,

[redacted], on behalf of Capital One

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.

[redacted] from the bank did not address the fact that her employee told me for certain that I would not have to worry about my check going thru. The employee whom I have referenced before, [redacted] I believe, told me that even if the transaction did go thru, the money would be returned to me. There must be some sort of provision for me regarding the error that the bank made and broken promises. Why have they extended no customer service here? They continue to deny any responsibility or fault in the matter, and that is despicable. Furthermore, I did not ask for $3000 back, but for $1000 since I have already paid for the car. The bank owes me something for the lies and trouble they put me thru.

Regards,

Review: My Credit Card was stolen in August 2013 ... Iwas on the metro bus sitting down I was checking my purse for something and set my little coin purse that had the credit card every thing I had was in it. so I had to renew every thing to. getting back to the bus just when I thought I had everything in my purse I had a coffee in my had and I took out my coin purse to purse so that I could get a water while I was going to wait for another bus. but before I got off the bus coffee in hand and then I set my coin purse down beside me on the seat my stop had to get off the bus so I still had coffee in hand I got off walked over to the garbage can and then realized my coin purse was gone I then looked for it in the garbage was not there went back on the same bus I was just on looked where I was sitting it was not there I even got the bus driver looking for it he closed the doors so no one could get on while we looked.now I knew it was stolen the bus driver gave me his number and which bus it was stolen from.he said to call metro police.when I got off the bus an officer was standing by so I asked the officer if I should file he told me to report to the company first.I then called capital one and told them just what I told here in this letter. I asked for a replacement a new card because this card was stolen. and it was never acitvated so I replace the one that was stolen I never charged any thing on it.so then after I was told that I would get a new card I waited a number of weeks thing any day now it will be here never came but how ever I must have gotten a new card but I never got a new card. but I did get a new card statement with acct number new so during all this weeks a month goes by no new card, but capitalone made sure to call wanting fees charging me to have a card that I never used twice I tried to actavite it never was actvated because of the fee for just having it is why all the fees it was ownly $ 25 at the time so each time I said I would pay it I never could send the money I never got enough to pay it.they just keep charging me..so now when I talk to the I finally pay off what was owed I paid 163.90 I would like to get my money back on my credit card please.. I feel that I was ripped off because I never got a chance to get my new card or charge any thing on the card that was stolen I paid fees and never was able to use any card the stolen when I got that one it was never actavated and the replaced one I never got so why should capitalone keep my $ 163.90 That's just not wright.

Business

Response:

We have credited the customer fees and interest and also updated her credit report. We were unable to reinstate the account for usage.

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:

Dear Ms. [redacted]: We are writing in response to the complaint that you filed with the Office of the Comptroller of the Currency (OCC) and the Revdex.com (Revdex.com) about an overdraft fee charged on your account ending in 0534. Just so you know, your monthly service fee is charged according to your statement cycle; in this case, your statement cycle is the 9th business day of each month. We see that on June 11, 2015, you were charged a minimum balance charge of $8.95, which is the 9th business day for June 2015. On June 12, 2015, a debit in the amount of $25.00 from Discover overdrew your account by -$6.53. Since a deposit was not made to cover the negative balance, you were charged an overdraft fee of $35.00 during nightly processing. We have reviewed your statements since you opened your account on September 26, 2014, and we show that each fee was correctly charged on the 9th business day, starting on October 14, 2014. We show that year-to-date, we have refunded a total of $210.00 to you in courtesy refunds. Based on this information, we will not be refunding any additional fees, as a courtesy. We noticed that you have overdrawn your account multiple times and wanted to share some ways to prevent this going forward. Here’s what you can do: ? Online, mobile and phone banking options help you keep track of your balance ? Set up low balance and overdraft alerts by text, email, or phone ? Opt-out to have ATM withdrawals and everyday debit card transactions decline when funds are not available ? Opt-out to have all transactions declined when funds are not available If you have any additional questions or concerns or would like to update your overdraft options, please contact us at 1-800-655-BANK (2265). Associates are available Sunday-Saturday 7 AM -11 PM EST, 6 AM - 10 PM CST. Sincerely, [redacted], on behalf of Capital One

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: I called to update my new mailing address with Capital One only to be transgfered to [redacted] who then informed me my account was in arrears and had been placed in collections. They stated I have not made any payments since 2012. After the converstaion in which I informed them I had been sending a series of post dated cheques which I had been monioting through my online banking I was informed that I was to call Capital One and ask them to forward the monies paid. I later, after discovering that my post dated cheques were being cashed by Capitol One that most of the money in question was being placed into an account that was not mine wnet to my bank and placed a stop payment on the remianing cheques in Capitol Ones possession. I did so based on the fact I had discovered the account number on the cashed cheques were not the same as my account. I was advised by my bank to file acomplaint against Capital One based on Fraudlent practices and placing my name and acount into credit collection agency without just cause. I have also reconated Capital One Credit recovery Department and both advised them of what they ahd done as well as faxed them copies of all the cashed cheques they claimed they never received. I ahve also advised them of the stop payment of the remaining cheques in thier possession and the fact that I would bot be submitting any replacements until this matter had been fully resolved. In addition I advised them I required a letter stating it had been resolved, plus an aplology and alos written clarifiaction that the belmish they falsly placed on my credit report be removed ant not cost to myslef. They are also aware I would be contacting the Revdex.com to file a complaint. If I had not made that call they would still have been fraudulenty cashing my chgeques and putting the money into another account and I would have not been any the wiser.I had not received any statemnts since June 2012, I moved in Ocotber 2012 but my contact number was still active intil last month. Account_Number:[redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like to ensure that:A) You are aware of this situation incase it happens to othersB) To ensure my bad credit rating Capiatl One has falsely given me is cleared ASAPC) Verification that all the money I have paid that was defrauded is replaced in the correct account towards my exisitng debtD) I want to know how this was allowed to happenE) My requested letter of apology and written proof my credit rating has been restored.Note My bank has

Business

Response:

Dear [redacted],

This letter is in response to a recent complaint make regarding your Capital One[redacted] account. As the [redacted], part of my role is to investigate these complaints on behalf of Capital One Bank ([redacted]) and I appreciate the opportunity to address your concerns.

Your complaints was escalated to my attention for review by the Revdex.com, as you had concerns pertaining to post dated payments that were made, but not applied to the Capital One account. In your complaint, you stated that all of the payments started to go missing once the account number was changed, and that you wanted to have the missing payments applied to the account.

Please be advised that I have reviewed the file using all available information and found that whenever an account number has been changed, any and all payments will automatically transferred to the new account. I have also verified that multiple payments were received and process on the account ending in 0674, ruling out the concern that you have about the payments not posting correctly.

Our records indicate that the last payment received on the account was $50.00 on July 25, 2011. It is recommended that you contact your bank, to cross reference that last payment that was made to Capital One, and if needed, request that the provide you with copies of the cashed items.

If there are any discrepancies in the payment, Capital One would require a copy of the cashed item in order to trace where the payment was applied, and to have the derogatory information removed from your credit bureau.

Should you remain unsatisfied with the resolution of this matter, you may contact the office of the Capital One Ombudsman. It is important to note that the Ombudsman does not review matters of general policy.

Mailing address

Email address

Fax

Regards,

Review: I lost my job in March 2014, I had debits hit my account with no money to pay them, creating and overdrawn account. The account was closed by the bank. I had received a refund from my taxes to one of my open accounts with the bank in April 2014. On May2 2014, A representative from the bank called my home to set up payment arrangements on the closed account. I asked the Rep what my options were, she advised that it needed to paid in full by July 2014. I made a debit payment in the amount of $150 and told her that I could make payments every week or ever other week to pay off the debt. Four days later my account was debited $656.16 by the bank as an offset even after setting up a payment arrangement. When I called the bank on 5/12/2014 they told me they could not reverse this offset because I had not established a payment arrangement that they were happy with. At no point was I told by the rep on May2nd 2014 that I was not paying enough, nor that our discussion was not considered a payment plan, nor that my account would be offset even though I made a payment. If what me and the rep discussed on the phone may 2nd 2014 was not enough to protect me from an offset, she should have advised me, and or gave me the options to prevent such an act. They should not have taken the payment from me, if they were going to offset my account to begin with. Complete and total disregard for what was arranged. To take money from me as a good faith payment toward paying off the debt and then 4 days later take a lump sum of $656.16 out of my account, wiping my account clean, shows total disregard for the customer and what was discussed.Desired Settlement: I want my $656.16 put back into my account and I want to continue with the payment arrangement discussed on the phone with the representative, where she said I had until July 2014 to pay off the debt. I want for Capital One Bank to also make sure that they protect future customers from an offset after they have made a payment arrangement and trusted the Bank not to wipe there account clean after an agreement. I also want for thus complaint to be visible for all consumers.

Business

Response:

Dear [redacted]:

We were recently notified by the Revdex.com

(Revdex.com) of your complaint regarding the

recent debit that occurred on your personal checking account

ending in[redacted]. We value your

feedback and would like to address your concerns.

We reviewed your account and our records show that your

checking account ending in [redacted]

was charged off on April 22, 201* with a negative balance of

$806.18. We understand that you

set up a payment arrangement with one of our Recoveries

Department representatives.

Unfortunately, the representative did not code the account

properly so, on May 5, 2014, we

exercised our right to offset, per the Rules Governing

Deposit Accounts disclosure ([redacted]

[redacted]), for the amount of $[redacted] against your current

checking account ending in [redacted].

Further review confirmed that the $[redacted] setoff was

erroneously processed and resulted in *

overdraft fees being assessed to your account.

As of May 15, 2014, we reversed the $[redacted] setoff and

credited it back to your account ending

in [redacted], along with a full refund for the * overdraft fees

that were charged. The refund will be

reflected on your next cycled statement, or can currently be

viewed when you log in to your

Online Banking account via [redacted]

Please be assured that the previous payment arrangement you

made with our Recoveries

Department on May 2, 2014 is still valid. However, if you

would like to discuss other options that

are available to satisfy the remaining negative balance,

please contact us at your earliest

convenience at [redacted] Associates are available

Monday – Thursday from 8 AM to 7

PM EST and Friday 8 AM to 6 PM EST.

We regret any confusion or frustration this matter has

caused you. If you have additional

questions or concerns about this matter, please contact us

at the number provided above.

Sincerely,

Review: I called in to dispute a charge on my account and also set up for auto pay and I told the agent that I would be traveling and out of town for about 6 months or so. I told them I would not have access to a computer or getting my mail and I wanted to make sure that my minimum credit card payment would be paid and they told me to set up the auto pay and not to worry it would be take care of. Well I came back home and my account is closed and reported to the credit bureau that I was late and closed. I have no problem paying my balance due but I want my account to remain open and the fees removed and take off my credit report.My complaint concerns: a Credit CardDesired Settlement: I have no problem paying my balance due but I want my account to remain open and the fees removed and take off my credit report.

Business

Response:

Dear Jonathan Richardson, This letter is in follow-up to your Revdex.com request filed on June 5, 2015, about setting up automatic payments and information we’ve reported to the Consumer Reporting Agencies (CRAs), like [redacted] and [redacted]. I have the following information to share with you. You mention that you set up automatic payments on your account in 2014. To enroll in automatic payments, a customer can enroll online or by phone. Our records do not show that your account was enrolled in automatic payments and there are no notes on your account about an automatic payment enrollment request. The last payment made on your account was a mobile payment for $25.00 on October 1, 2014. Due to non-receipt of payments your account was billed past due fees and interest charges in accordance with your account terms. Your account charged off due to delinquency on June 8, 2015, with a balance of $154.30. About your online banking access, we confirmed you were able to log into your account on multiple occasions from February 2015 through June 2015. By logging into your account you are able to verify account information. Due to the information listed above, we are unable to honor your request to credit past due fees or reopen your account. In order to pay the remaining balance on your account please contact our Recoveries Department at [redacted]. We understand you would like us to modify the information we reported about your account. Our records show that we are reporting your account as charged off. We have confirmed that we are reporting accurate information, and for that reason we are unable to update information reporting to the CRAs. If you have additional credit reporting questions, please contact the agencies directly. Experian Equifax TransUnion Innovis P.O. Box 9595 P.O. Box 740256 P.O. Box 2000 P.O. Box 1534 Allen, TX 75013 Atlanta, GA 30374 Chester, PA 19022 Columbus, OH 43216 888-397-3742 800-685-1111 800-888-4213 800-540-2505 www.experian.com www.equifax.com www.transunion.com www.innovis.com If you have any questions or concerns, please give me a call at 800-955-1455, Monday through Sincerely,[redacted], on behalf of Capital One

Review: Re: Unauthorized Credit Inquiries

Dear Capital One Auto-Finance,

I recently received a copy of my [redacted] credit report. The credit

report showed a credit inquiries by your company that I do not recall

authorizing. I understand that you shouldn't be allowed to put an

inquiry on my file unless I have authorized it. Please have these

inquiries removed from my credit file because it is making it very

difficult for me to acquire credit.

I have sent this letter by the Revdex.com because I need your prompt

response to this issue. Please be so kind as to forward me

documentation that you have had the unauthorized inquiries removed.

If you find that I am remiss, and you did have my authorization to

inquire into my credit report then please send me proof of this.Desired Settlement: Please remove all hard credit inquires on all three credit reports.

Business

Response:

Dear [redacted].

We have reviewed the situation explained in your complaint to the Revdex.com and would like to address your concerns.

[redacted], Capital One Auto Finance (COAF) received your application for an extension of credit from [redacted]. on March 3, 2014. Our records indicate that on March 7, 2014, we received another application for credit online through [redacted], where your application was shopped through several lenders including COAF.

The inquiries made by COAF were a result of your two applications for credit, and were made with permission purpose. Therefore, we respectfully decline your request for removal. If you have additional questions regarding this matter, please contact us at [redacted].

Sincerely,

Office of the President, Financial Services

Capital One

Consumer

Response:

Dear

I have reviewed the letter from Capital One in reference to complaint ID [redacted], and have determined that their proposed non action would not resolve this complaint.

We request removal of one of the two credit inquires from all 3 credit reporting agencies. Capital One Auto Finance: March 03, 2014 and March 07, 2014. Please remove one of the two as it is considered a duplicate request and all credit reporting agencies do agree one of the two should be removed and they request a letter from Capital One Auto Finance for removal of one of the two.

Thank you for your time and cooperation in this most important business matter.

Warmest Regards,

[redacted]

Business Manager

cc: [redacted]

Review: On March 3, 2015 I had made a debit card payment to my credit card bill with a representative over the phone. The rep had assured me that the payment was approved that day March 3, 2015. I had checked my debit card account to see if the payment posted to my debit card account on Match 4, 2015. I had spoke to a customer service rep about the payment not being posted yet on Match 4, 2015. The customer service rep was no help and she was a little rude and not very knowledgeable at her job. I had asked the rep to let me speak to a supervisor since she was no help with resolving

y issues. The supervisor name was [redacted] and he was no help at all. He was very rude to me and he was arrogant and nonchalant about my grievousness. The supervisor [redacted] was very unprofessional and he did not resolve my issues at all. [redacted] and the rep should be fired because they are not good at their jobs and their arrogant. [redacted] needs to go back to school for customer services skills and training on the phone with a customer.Complaint concerns: a Credit CardDesired Settlement: I would like very knowledgeable supervisor or the President of Capital one corporation to investigate where the payment went. I would like some one to investigate the rep that took the payment from me for $25.00 on March 3, 2015.

Business

Response:

Our customer was concerned that she submitted a payment over the phone using her debit card on March 3, 2015, but the payment was not deducted from her debit card account and did not post to her Capital One account. Our records confirmed that the customer spoke with an agent on March 3, 2015, and the agent noted the account that a payment was processed. We were also able to locate the call that took place on March 3, 2015, and the agent did verify the customer’s debit card information and provided the payment processing disclosure. However, the agent did not submit the payment in our debit card payment processing system. We’ve confirmed the payment was not processed at all, so it was not applied to another customer’s account or debited from our customer’s debit card account. Feedback has been provided to the agent to ensure this does not happen again. We communicated our research findings to our customer by phone, and as a courtesy credited $50.00 to her account. The credit will appear on her March 2015 billing statement. We also confirmed she was not considered past due as a result of the payment issue, so no fees were billed as a result. The customer was satisfied with this resolution. 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 opened an account that offered free interest for the first year. I got my first statement and I am being charged 29.50 interest. I called and they told me that the free interest for the first year did not include tranfers. I did not see that anywhere. If I did, I would not have applied for the card. I spoke to Reg, Employee #[redacted]. She said she spoke to her account manager about the interest. Is there anything that can be done about this situation? Thank you [redacted]Desired Settlement: I just want what was originally offered. Free interest for the first year.

Business

Response:

Our customer is concerned with a zero percent interest offer on for her ** card. Our
customer thought the zero percent interest was for all purchases and balance transfers.
Our research shows that the zero percent is only for purchases. The interest rate is
prime + 16.65% for balance transfers. On April 1, 2014, we advised the customer of our
findings. We have issued a goodwill credit for the interest charges billed on her February
2014 and March 2014 statements. We explained to her that the promotion is only for
purchases. The customer was satisfied.

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 Company did call me with the offer of a credit for two months of interest. I did not tell them that I was satisfied with this offer. I told them that I was very unhappy with the decision because of bad advertisement. However, I did tell them that I would accept the credit but hope they would look further into the matter for future 0.00 interest on the account for the balance 10 months.

Regards,

Review: I received a phone call yesterday on2/11/14 from a man claiming to work for capital one. He stated that he was doing an investigation through a branch and needed to verify information. He then asked me if I withdrew $420.00 from a branch on jan.20.2014. I checked through my receipts and found out that I did indeed make that withdraw. He then said that he will need to take the funds as soon as possible. I asked him if he could process the payment on 2/14/14 because the funds were unavailable at the time. He then proceeded to tell me that I had $900.00 in my bank account. Without even checking for my permission to enter my account, and without verifying my identity. He never asked me my date of birth nor social to verify if I was indeed that person just my name. With all the fraud going on I would think that he would want to verify more information before deciding to enter my account or even tell how much I had in my account. I then told him that if used all the money in my account towards online bills and that money were pending. He then told me there was nothing that he can do. Every time I make any major changes to my account I always check my account and the money withdraw was pending on 1/20/14.Desired Settlement: I would like a sincere apology for the actions taken yesterday 2/11/14 I have been a very loyal customer for many many years before the bank was even called capital one and was still owned by [redacted]. I have been patient when it came to the fees. Which I was also wrongfully told about and I have succumbed every change they have ever made. And for me to ask for a payment that was there mistake to begin with to be held off for a few more days and not be taken out at that time and be denied for that is very wrong. I had to take the chance of paying multiple fees for my payment being returned and capital one showed no type of remorse for once again there mistake. It should have not taken those 22 days to realize that I was given money wrongfully. I am a very honest person and would have told them if I found out the mistake sooner. But when I saw the pending payment was gone I assumed they took there money. All I would like to happen is for them take the money on 2/14/14 to ensure that my other bills would be paid.. It is very unfair to be treated poorly when I am a very loyal customer. I will also like to receive a sincere apology from all involved in this incident. I am not sure the status of the teller who took my withdraw at the bank but that is irresponsible and unprofessional on so many levels.

Business

Response:

Dear [redacted]:

We are writing in response to the complaint that you filed with the Revdex.com (Revdex.com) regarding your personal checking account ending in [redacted]. We understand that you would like an apology for the service you received on February 11, 2014. We value your feedback and hope to address your concerns.

We have reviewed your account and our records show that you made a customer withdrawal of $420.00 on January 20, 2014, however, the funds were not debited from your account at that time. An adjustment debit for the amount withdrawn was made on February 12, 2014. Please understand that the adjustment debit was done in accordance with the "Deposit Error" section of our Rules Governing Deposit Accounts. Our Rules Governing Deposit Accounts is provided at account opening and is available on our website at [redacted].

We apologize for any inconvenience and accordingly have coached the associate that processed the withdrawal. We also have confirmed that there were no overdraft or non-sufficient funds fees incurred as a result of the adjustment debit.

If you have any additional questions or concerns, please feel free to contact me at [redacted] ext [redacted]. I am happy to help any way that I can.

Sincerely,

On behalf of Capital One

Review: Capital One purchased my account ending in [redacted] from another company and then claimed that I made a late payment with them, but I did not have this account with Capital One at the time they are reporting a late payment. Now that I have disputed this account, they have reported a disagreement code with a resolution of dispute to all of the credit bureaus without my permission. This has blemished my credit report further.Desired Settlement: I want this 30-day late payment from 9/2011 for account ending in [redacted] removed from all three Credit Reporting Agencies.

Business

Response:

We received duplicate complaintsfrom the [redacted] for the following Revdex.com cases below. Please close this out onthe Revdex.com portal, we will be responding through the [redacted] regulatory channel.

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.

Capital One wants to close out this complaint because I also initiated a complaint with [redacted] regarding this issue, but I will not close this out until I have received a resolution from [redacted].

Regards,

Review: Abusive fees for late fees. Their business practices involves lying. For over 4 years my card has the same credit line no matter how prompt I make my payments. Formely from [redacted] I was told my acount was going to be reviewed 2 years ago, and periodically being reviewed and based on performance I would have better credit. I have other accounts over 1500, multiple line of credit with citibank, and this people no only charges abusives fees, or interests, they also change the due dates too often.

Business

Response:

We spoke to the customer on 2/25/2014. The customer states

that he has tried for 2 years with [redacted] to get a credit limit

increase and deal with the high fees he received for late

payments. We informed the customer that we cannot speak on

[redacted] policy regarding fees and that a late fee will be applied to

an account when a payment is not received by the due date. In

addition, the customer closed his account on 2/21/2014, so we

were unable to offer assistance regarding the credit limit

increase referenced in the customer’s complaint. The customer

did advise that he was pleased with the customer service that

Capital One has provided. Lastly, we provided our contact

information for future concerns.

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.

Received a courtesy call, from executive office, but it was impossible to come up with a satisfactory outcome.

Regards,

Review: My credit card account ending in the numbers ...[redacted] was closed and paid off on May 4, 2013 as part of a loan agreement to purchase a home. Unauthorized charges were made by my son which Capital One continued to accept. The account was closed and paid off again on June 6, 2013. The young man that I spoke with at that time assured me that I would not be able to go out and use my card if I attempted to from that moment on. Capital One continued to accept charges. One of these charges was a payment to [redacted] Insurance Company for a quarterly installment. [redacted] had been contacted on May 7, 2013 to switch payments to be billed to me rather than automatically taken out of my credit card. I was contacted by Capital One on Sept. 1, 2013 and told that my CLOSED account was delinquent. This account was also a paperless billed account, so of course I had not checked to see if I owed any money on a closed account. I gave permission to my fiance` to speak with the company representative, but she was not able to speak to a supervisor that day. We contacted the company on Sept. 5, 2013 to speak to the supervisor department. She was assured by Candice that the account was, for the third time, being closed and that a letter would be received by mail stating as such. No letter has arrived. She was also told that the Fraud Department would be contacting me within 10 days. It has not done so. I was called again by the collections department on Sept. 9, 2013 requesting payment. I spoke to one supervisor, was put on hold for 20 minutes so that I could speak to her supervisor, and then was cut off. I sent in the minimum payment due on Sept. 19, 2013 so that I would not be dinged with a 60-day late notice. I included a letter stating that I was not acknowledging the charges but only hoping to avoid further damage to my credit while I disputed the charges. This letter was also sent to the Disputes, Payment Investigations, and General Correspondence departments. The total amount of the disputed charges is $816.53.Desired Settlement: I am willing to pay the payment that was made to [redacted] since it appears that their customer service department also failed to process my request. I have since re-contacted [redacted] to remove the automatic payment and have received written confirmation that this has been done. The amount of that charge was $275.57. However I want all other charges removed, including service fees, late fees, and interest. I want written confirmation that my account has been closed. I also want any blemishes on my credit report removed with a written explanation of the issue and its resolution attached to my credit reports.

Business

Response:

We have responded to the cardmember by mail on September 24, 2013 requesting to call in for additional information.