Capital One Financial Corporation

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 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: 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: I have applied for a CapitalOne credit card several times over the course of 3 years. My credit score (fico) has been as low as 514, and as high as 712, which is high enough for cards with excellent credit, even though capital one gears most of it's products to those with lower scores (600 and under). Numerous times while applying for various cards, they have cited various, and often non-relative reasons why they can't approve me, such as "• Based on your credit report from Equifax, the balance on one or more accounts has exceeded the

credit limit". These reasons have changed every single time I have applied, and some have been down right ludicrous, such Based on your credit report from Trans Union, number of delinquent past or present credit

obligations". Yes, I had one 30 day late, which happens, but this is no reason to deny someone for a card, and as duly noted on my credit reports, I have only missed one payment, and have made over 23 on time payments. I feel that capital one has "black balled" me from getting a card, as people who have credit situations (such as being 30k in debt) have received cards from them.Complaint concerns: a Credit CardDesired Settlement: I am asking if Capital One cannot offer me credit, even if it's a $200 card, to remove all credit inquiries from all 3 credit reports. If Capital One cannot fulfil one of the mentioned obligations, I will be left no choice but to pursue litigation, as I have sufficient evidence they are "Black baling" me.

Business

Response:

Application ID: [redacted] Capital One Case: [redacted] Revdex.com Case No.: [redacted] Dear [redacted], This letter is in follow up to your phone conversation with my colleague [redacted] on February 10, 2015, and your concerns forwarded to the Revdex.com, regarding a credit card application and information reported to the Consumer Reporting Agencies (CRAs). We would like to try to help you with this, and I’d like to share more information with you. As discussed with Mrs. [redacted], we have submitted your declined credit card application reconsideration request by form submission to our Credit Department. Our Credit Department will review this request and respond to you in writing, in a separate letter within 7-10 business days. After reviewing your information, our records show one credit card application for a Capital One credit card was submitted on February 4, 2015, which was declined. For your review, I have enclosed a copy of the letter dated February 4, 2015, which provides the reason(s) we were unable to approve an account at that time. I found that we accurately reported a credit inquiry to the CRAs based on your submission for this credit card application on February 4, 2015. This is why we are unable to remove this credit inquiry from your credit profile. EQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC 20006. If you have questions or concerns, please give me a call at [redacted], Monday through Friday, from 8:30 a.m. to 5 p.m. PT. 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.

Whoever replied to my complaint has horrible reading comprehension skills, as they only addressed 1/4th of the complaint. The main issue i,s that in the 4 years I've been able to apply for a credit card, my [redacted] score has been anywhere from 480 to 712.

Review: In 2008 I made the mistake of overcharging a credit card. Once I straightened my self out and returned from basic training I made attempts to reconcile my debts. Capital One has made my credit, and my effort to fix the problem, useless. I started getting my credit reports regularly in 2011 and made several calls to the Capital One customer service representatives who informed me they could not do anything for me because they pushed my debt to a debt collector, which nobody can provide me the name of. I filed a dispute in 2011, 2012, and 2013, and here shortly, 2014's dispute to have the information removed from my report. The account was charged off in 2008 and the amount is something like 2,000, but my credit limit was significantly lower than that and I did not make purchases to that amount. Since the account was charged off, Ive also learned that in 2006 an account in my name was opened with a 0$ balance but is shown as revolving credit. I was 16 in 2006 and didnt open any account at all. I tried to negotiate a settlement with Capital One to remove that account from my report and report my charge off as paid if we reached a fair price being that the NYS statue of limitations where I was issued the card says they could no longer attempt to collect. So in good faith, I tried to reconcile but they have "no record" of my account and could not assist me with anything. Ive been serving the country for 4 years, I know the meaning of integrity and I know how to take responsibility for my actions. I have made numerous attempts to communicate with Capital One so I can move past the black mark on my credit that is now interfering with my financial mobility for not only me but my family. I cant seem to understand why al of my disputes have been responded to the 3 major reporting bureaus but nobody at capital one can seem to justify my "open" account or my charge off. It has been going on 7 years now and I have just exhausted all options to fix my mistake.Complaint concerns: a Credit CardDesired Settlement: I just want my open account to stop being reported and explain to me when and where that account was opened in 2006. I was 16 I couldnt open an account by myself and I was never aware of this account. I believe my mother opened something in my name and has failed to let anybody else know. Additionally, I want/need Capital One to either settle with me on an amount or stop reporting my charged off account. None of what they tell me makes any sense. If they can justify my account details to equifax, they should be able to do it to me. For 4 years now I have been fighting this battle with them and Ive had it. I just want it off my credit or changed to Paid, and Im willing to settle with them.

Business

Response:

Dear [redacted], This letter is in response to the complaint you filed with the Revdex.com (Revdex.com), about the information that is reporting to the Consumer Reporting Agencies (CRAs), like Experian and Equifax. I’d like to address these concerns. In the complaint you stated that you made multiple attempts to settle the charged off account in 2011, but you were unsuccessful. In your attempts, you mentioned that you spoke with several representatives who informed you that the account was taken over by a debt collector. However, you were not provided with any additional information concerning the account. Lastly, you stated an account, opened in 2006, is currently reporting on your credit profile, and that you did not apply for this account. Our records show that your account ending in [redacted], charged off on July 20, 2009. We were unable to contact you to establish a payment arrangement, and the debt was transferred to an internal firm, [redacted]. This firm attempted to collect on the debt from December 4, 2009, to July 7, 2012, and because they were unsuccessful in reaching you, Capital One filed suit on January 14, 2010. The suit was dismissed on April 28, 2010, because we could not locate an active address to provide you with the summons. I confirmed that there is no record of a judgment reporting on your credit profile. In addition, there are no records showing that you attempted to settle the debt in 2011. In your complaint, you also inquired on the balance that is reporting. The current balance showing on the account at this time is $2,062.32. I have enclosed six months of statements prior to the charge off, for your records. We understand that you would like us to update the information we’re reporting to the CRAs, by removing the tradeline from your credit profile. We’re sorry, but we are unable to remove this information, as it is reporting accurately. However, there are settlement options available for you. The details of these options will be mailed to you in a separate letter. If you have any questions concerning the settlement, please contact our Recoveries Department at 800-258-9319.In addition, I confirmed that you were reporting as an Authorized User on an account that was opened in 2006. Although you were not held financially responsible for the account, information for an Authorized User is reported to the CRAs. You have since been removed from that account, and a request has been sent to the CRAs to have this information removed from your credit profile. Please allow the CRAs up to 60 days to reflect this change. Lastly, you expressed that you are currently an active Servicemember in the military. On behalf of Capital One, I would like to extend my appreciation for your time and dedication to serving this country. I am also happy to inform you that your account is eligible for benefits under the Servicemembers Civil Relief Act (SCRA). An additional letter will be mailed to you that will outline the SCRA benefits your account will receive. We appreciate the opportunity to address your concerns. If you have any questions, you may contact me at 800-955-1455, Monday through Friday from 9 a.m. to 5:30 p.m. ET.Sincerely,

[redacted], on behalf of Capital One

Review: I have an auto loan with this company . My payments are automatically taken out of my checking account twice a month The 17th and 28th. My payment was suppose to be taken out of my checking account on February 27th I have enough money in my checking account . I have over 1000.00 my payment is only 96.40 instead of them taking the money out of my checking account they made my account 10 days late and charged 192.60 in late fees.Desired Settlement: DesiredSettlementID: Refund

I want the late fees removed from my account

Business

Response:

Dear Ms. [redacted], I have reviewed the situation you explained to the Revdex.com and want to address your concerns. In reviewing your account, we verified that automatic payments are setup, per your instructions, to deduct on the 17th and 28th of each month. Since your due date is the 18th of each month, and you setup direct pay to deduct on the 17th and 28th, your account is correctly reflecting that it is 10 days past due each month. We encourage you to contact us at the Customer Service number provided below to discuss your options for ensuring your payments are on time each month. When Capital One presents payment through the automatic payment process, it can take up to two business days for it to reflect on your bank’s records. As indicated on the enclosed payment history, we processed your automatic payment on February 28, 2015. We’ve also determined that your account has never been assessed a late fee. If you have any further questions regarding your Capital One auto loan, or would like to adjust the payment dates, please contact ([redacted]. If you have questions regarding this specific response, I can be reached at [redacted]. Sincerely, [redacted] Office of the President, Financial Services 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: 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: 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: Capital one offered a minors a Credit Card with a limit of $500. Per their policies, you must be 18 years of age! The consumer (Myself) found out that a capital one card was in my name and tried to settle the account with Capital One! It's been eight years and I am still unable to come to a resolution with this company! They are also still reporting to the credit bureau which is preventing me from opening new accounts!My complaint concerns: a Credit CardDesired Settlement: I would like Capital One to be removed from my credit report!

Business

Response:

Revdex.com No: [redacted]Capital One Case: [redacted]Our customer states that an account was opened in her name prior to her turning 18years old. We have shared with our customer that in order to investigate her request, weneed a copy of her Driver’s License for verification. After requesting this information fromour customer several times by phone, we have not received it as of December 3, 2015.

I have always had great service from Capital One regarding my credit card. Like any credit card company, the rates are high and they have no late payment grace period, but everything else has been good. I applaud their fraud watching...they have actually denied a couple of my legitimate online big dollar amount purchases that appeared like they could have been bogus charges because they weren't common charges, but Capital One contacted me in less than a minute from denial to verify the potential fraud and we got it sorted out and my purchase made within minutes of my first attempt. Very minimal inconvenience for the knowledge that they are watching for potential fraud charges so proactively. I have also had to do a couple of charge disputes--both over $1,000.00 and Capital One has been great. Yes it's a little bit of a hassle to answer all the questions so they have the necessary information to pursue the claim, but I appreciate them getting all the necessary information up front so I don't need to continuously provide information or duplicate information to them, and they have always immediately credited my card the disputed amount so I don't have to pay the amount and wait for reimbursement.

I am financing a auto loan through capital one, when I purchased the car the total amount on the bill of sales was 12,000.00 this is a used vehicle, I have been paying on the car since February 2010, it is now Dec 2014. And I am still paying so, I called them and told them I have been paying you 318 a month for this vehicle for the past 4 years and according to my calculation this vehicle should be paid for, they told me that I still owe them 6,000 more dollars due to principal and interest, so you telling me I have to pay double for the car, so I will be paying 24,000.00 for a used vehicle, which had to have a motor and transmission replaced after one year of purchasing and now the engine is leaking oil...really. Capital one is scam...DO NOT GET ANYTHING through them.

Review: In July of 2012 I opened a Capital One Secured Card to reestablish my credit score. I unfortunately lost rental property during the housing market collapse and my credit score was a casualty. I did not lose employment, did not need the card for its credit, merely as a vehicle to increase my credit score over time. As such, when I used the card for purchases I paid the balance off using my checking account/[redacted] card, never paying interest for the life of the card. Since the available to spend was such a low amount, I make deposits in accordance with their policy to increase the "credit" line. I believe the original amount of the card was $200, increased to $300 for good payment history. A few months ago I made a deposit of $300 from my checking account to the card to increase the available to spend to a more palatable $600. This was processed by Capital One without issue. On September 19th I again made a deposit through their website in the amount of $400 to increase the available to spend to $1000 from the same account. When one makes a deposit you are logged in securely to your account, are asked to verify that you authorize the payment, and the funds are then debited from your account within 10 days. When I went online to pay a recent charge of $32.74 I noticed that my account was restricted for "fraud" concerns (Capital One did accept my payment of $32.74 while the account was restricted). I first chatted with a rep on their secure chat feature who wouldnt tell me what happened to my account. When I called later that night the reason for restriction was not given to me until I escalated the issue to a superior, who told me my account was restricted for interesting transactions, and that Capital One needed to verify my bank account. This is the same bank account that I have used for the prior deposit, and most if not all of the multiple payments per MONTH I send to keep the account at zero. I understand the spending habits may seem peculiar for a secured card, as they are often issued to people in financial transition. I am not. However, I feel my consumer rights have been violated here and someone has to stand up for the consumer in situations such as this. I asked Capital One why it accepted the funds and then after asked to verify my account rather than rejecting the deposit and restricting the account, and there was no explanation given. I asked Capital One why they accepted a payment to the account during restriction and there was no explanation. Frustrated with these bizarre business practices I instructed Capital One to close my account and send back my secured deposits. I do NOT want to do business with a company that acts in such a manner with its excellent customers. I was told closing my account was not an option, as the funds in my account are "unverified". So as it stands, my account is restricted without usage, my money is being held in escrow against my will, and I cannot close my account and move my business to another credit card company. Nowhere in the customer agreement are the practices listed. I demand that Capital One either release my funds back to me or open my account and allow access to my deposits. Holding my funds in escrow as such is illegal. It is unfathomable to me that Capital One thinks this practice is acceptable by any means.Desired Settlement: Capital One's first option is to open the account and let me have access to my funds. I refuse to be treated in such a way by a corporation just because they felt they can restrict access to my money at their whimsy. I will not have my privacy attacked by some foolish, arbitrary, random "policy". The other option is to close my account and return my money to me. Thanks, [redacted]

Business

Response:

We advised the customer that his account has been unrestricted and provided additional account information.

Review: Capital One Auto Finance refuses to remove my name from a vehicle that I never signed for. I have tried to contact them personally regarding this matter and now it's affecting my credit. I never went into a [redacted] to sign for $657 a month car loan in [redacted]. My ex-husband forged my name and they will not provide me proof that I am responsible for this loan. Any help to resolve and investigate this matter would greatly appreciate. I have tried contacting the Credit Bureaus to investigate and eadh time it comes back saying I am responsible. No proof that I signed this loan and I need help, lawyer whatever to get this resolve, I am trying to buy a house.Please help! Product_Or_Service: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation) Wish to have my name removed from this debt, joint debt which I never signed for and just need them to remove my name, truthfully I would like to sus them for damaging my credit.

Business

Response:

October 23, 2013

[redacted],

I have reviewed the situation you explained to the Revdex.com and want to address your concerns. In your comments you explain that you would like your name removed from a vehicle account that is was financed through Capital One Auto Finance (COAF). You go on to explain that you never signed for this vehicle and that it is affecting your credit.

Thank you for speaking with me via telephone regarding this matter. As discussed on October 22, 2013, [redacted] with our Capital One Auto risk department will be assisting you further. A fraud package with instructions was mailed to you on October 21, 2013. ** spoke with you and explained what to do once you receive the package and provided his contact information for any future questions or concerns.

We regret any inconvenience this matter may have caused you. If you have additional questions, please contact [redacted] at [redacted]. I can be reached at [redacted].

Sincerely,

On behalf of Capital One

Review: In March, 2014, I used my card to purchase a pair of shoes. I was unknowingly signed up for a shoe club with an annual subscription cost of $24.99. I did not knowingly sign up for this service and I did not consent to the annual charge. In March, 2015, the retailer charged my card the $24.99 annual fee. I did not pay or dispute this charge because I was not aware of its existence. In July, 2015, I received a letter from Capital One informing me that my account was past due. I logged on and payed the bill in full. I then checked my credit report and found that my missed payments had been reported as late. I contacted the online retailer. They apologized and have removed the charge from my statement. I reviewed my emails from Capital One and learned that I did not receive notification of a statement pertaining to this transaction. I received dozens of solicitation emails from Capital One, but no emails containing an alert to check the online documents center for the months of March, April, May, or June, 2015.

I called customer service and spoke with Tacarro (Agent id [redacted]), who agreed to remove the negative credit reporting. She said she was only able to remove April/May. She was not able to see which months were reported, but was hoping that removal of April/May would completely resolve the problem. We also opened up a dispute. This was done for the purpose of catching any other reporting that was not corrected by removal of April/May reporting. [redacted] informed me that a letter would go out from Capital One to the credit agencies within 24 hours. On July 12, 2015, I followed up with Capital One. I spoke with Deborah (Agent id [redacted]), who told told me that she didn't see anything pertaining to my July 3, 2015, discussion with [redacted]. She did not see that a letter had gone out to delete the negative reporting, or even that a dispute had been filed. She said she would have the prior call reviewed and would call me back, which as not yet happened.My complaint concerns: a Credit CardDesired Settlement: To correct this situation, I would ask that Capital One remove all negative credit reporting that occurred as a result of this unauthorized transaction (March - July, 2015).

Consumer

Response:

Tho whom it may concern,

Review: I moved to California and unable to go to a local branch because there is none in California

I trying to close my CD with capitalone without any luck.

I spoke to customer service and the mailed me forms and I never got a response, I called again and was told that they not received anything I mailed the forms again to a different address and no response again.

This is going on for more than two months.

As directed I mailed the forms to two different addresses in Virginia

P.O BOX 12021-0210 Richmond Va, and 10750 Capital One way Glen Allen Va.My complaint concerns: a Banking Account (Certificate of Deposit)Desired Settlement: I just want that somebody will contact me to close the account and withdrew the money

Business

Response:

Dear Mr. [redacted]: We are writing in response to the complaint that was forwarded to us from the Revdex.com (Revdex.com) regarding the closure of your Individual Retirement Accounts (IRA) ending in [redacted] & [redacted]. Our records confirm that on October 30th, your IRA accounts were closed and checks were mailed for the remaining balance to the address on file. We apologize for the delay in processing your request. If you have any additional questions, please reach out to us at [redacted]. 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 been had an account with Capital One Auto Finance and had my payments auto withdrawn from my checking account. I traded that vehicle in and established a new loan with Capital One Auto Finance. I made a few payments with them and I then set up auto payments as I had previously. So I received a letter in the mail stating my payment was late. I started receiving phone calls from them. I checked my account no withdraw from them so I called. I explained to the rep that you know I set up automated payments for this account what's wrong? She apologized for my inconvenience and stated she see on my account I did and she didn't know what happen so she waived my late fee and I made my payment with her over the phone. I said to her I'm not going to get reported late to the credit bureau for this am I? She stated no because its on your account that you set this up and I'm going to note you account about today's conversation also. Well credit monitoring states it on my credit report. I called them repeatedly about this and they refuse to remove the negative mark stating nothing is on my account about what happen. Now I had a car loan with them since 02/2011, established a new one in 05/2012 I have a credit card with them also. Something is wrong here that all of a sudden notes on my account disappeared. I shouldn't have to be penalized for there errors.Desired Settlement: Correct my credit report and I want a letter of apology.

Business

Response:

July 29, 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, we confirmed your first payment for your auto loan was due on June 28, 2012. Letters were sent, July 8, 2012 and July 22, 2012, advising that the loan payment was late. There were also several collection calls during this time. When you called in on August 2, 2012, the late charge was waived as a courtesy. On this same date you set up automatic payment for your account. Prior to August 2, 2012, automatic payment was not set up on this auto loan. Due to these findings, the derogatory payment history reporting is correct and cannot be removed.

We regret any inconvenience this matter may have caused you. If you have additional questions, please contact our Customer Service Department at [redacted].

Sincerely,

On behalf of Capital One

Review: I received a promotion from CapitalOne bank as:"The promotion begins at 12:01 a.m. Eastern Daylight Time (EDT) on 1/1/2013 and ends at 11:59 p.m. on 4/30/2013. The promotion is available to new bank customers only. To qualify, you must open a Capital One business checking account during the promotion period. Within 30 days of account opening, deposit at least $3,000 into your new business checking account. At least 1 online bill payment must post to your account before end of promotion. You will receive the $300 credit approximately 10-12 weeks after the end of the promotion. Account must be open and in good standing to receive the credit. This offer cannot be combined with any other Capital One Bank new account opening offer and is strictly non-transferable. Limit one offer per customer."I did that in Feb, deposited $3000+,and one online bill payment in 4/4. waited over 12 weeks after the end of promotion. still no $300 bonus.Send them an email on 8/9 and received a response on 8/12 as I did not made a online bill payment through their "PAY BILLS TAB".It was not printed on their promotion ad as terms of condition.I will not bank with them anymore.Desired Settlement: I want my $300 signup bonus.

Business

Response:

August 22, 2013

Re: Revdex.com Case ID: [redacted]

Our Case ID: [redacted]

Dear [redacted],

We are writing in response to the complaint that you filed with the Revdex.com regarding [redacted] small business checking account ending in [redacted]. We understand that you would like us to apply a [redacted] promotional credit to the account because you believe you have satisfied the requirements of the promotion. We value your feedback and hope to address your concerns.

We have reviewed the account, and our records show that as of today, the required [redacted] deposit within 30 days of opening the account occurred; however, the required posting of one Capital One online bill payment has not yet been fulfilled. Please understand that our online bill payment service is set up through our website, and one payment using the service must post to the account prior to the end of the promotional period in order to receive the [redacted] bill pay promotional credit.

As we discussed with you on August 19, 2013, the expiration date of the promotion you received was April 30, 2013, but this deadline has been extended to August 31, 2013. Accordingly, if you set up the online bill payment service on our website and schedule one payment to post to the account prior to August 31, 2013, the [redacted] promotional credit will be applied to the account approximately 10-12 weeks after the promotional period ends.

We regret any confusion or frustration this matter has caused you, but, in light of the above, we respectfully decline your request to immediately receive the [redacted] promotional credit.

Thank you for choosing Capital One Bank to meet your financial needs. If you have any additional questions or concerns, please feel free to contact me at [redacted] ext [redacted].

Sincerely,

Capital One Bank

Review: This account was paid off and closed in 2010. It is showing on my credit reportDesired Settlement: I want it cleared off my report as a derogatory account and the account information corrected.

Business

Response:

Before I can look into your concerns, I need to verify your information for security reasons. Please give me a call at [redacted] and provide me with the following:

· Your name

· Your current address

· The last 10 digits of your account number

· The last four digits of your Social Security Number

· Your date of birth

If you prefer, you may fax this information to [redacted] or mail it to the address listed above.

Once I receive this information from you, I can check into this. If you have additional questions, please call me at [redacted]. I am available to assist you from the hours of 6:45 a.m. to 3:15 p.m. PT, Monday through Friday. I’m glad to help any way I can.

Sincerely,

Review: I am in the process of trying to purchase my first home. My mortgage broker flagged that my credit score had unexpectedly gone down significantly; there was an account in delinquency that was not mine on my credit report. After speaking with numerous people at Capital One I determined the account in question belong to a person I am no longer in a relationship with and my name was put on the account without my knowledge or authorization. Capital One indicated they would take me off the account and it would take a cycle to reflect on my credit score. However, I need documentation sent to the credit bureaus and my broker to show that I am in fact no longer on the account. After calling Capital One again and speaking with a [redacted], Capital One indicated they could not provide such documentation without the account holder's approval -- and yet my information could be added to an account without my approval. After being a member since 2006, I feel this to be completely disrespectful to my identity and privacy. Contacting the account [redacted] puts myself in an unsafe situation and even though I told Capital One this several times they did not care. I cannot trust the account [redacted] to authorize this documentation out of spite. I will lose my first place without this documentation.Desired Settlement: Capital One needs to send myself and the credit bureaus documentation that I have been removed from the account to reflect my improved credit score.

Business

Response:

Re: Account ending in [redacted]

Capital One Case: [redacted]

Revdex.com Case No: [redacted]

Dear [redacted],

I’m reaching out to you about your complaint to the Revdex.com regarding accounts

we’re reporting to the credit bureaus in your name.

Our records show that you currently have one open credit card account, ending in [redacted], with

Capital One, which is the only account being reported to the credit bureaus at this time. If you

are concerned with another account number reporting to your credit profile, please forward a

copy of your credit report with that account number on it to my attention at the address above.

If you have additional questions or concerns, please give me a call anytime at [redacted],

Monday through Friday, 11 a.m. to 8 p.m. ET. I’m glad to help any way I can.

Sincerely,

[redacted], on behalf of Capital One

cc: Revdex.com