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Capital One Financial Corporation

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Reviews Mortgage Lenders, Bank, Credit Cards and Plans Capital One Financial Corporation

Capital One Financial Corporation Reviews (2378)

Review: Account was opened, used, and locked by Capital One after I called and gave a one time verbal authorization for my wife to handle the call to resolve a credit issue. After they locked the account and refused to unlock it, I proceeded to get a card with another credit company, paid the Capitol One balance in full, then "TRIED" to close out the account. I have a Dec-Jan statement which shows a (0) zero balance. They refuse to close the account because they wanted PII (Personal Identifying Information) about my wife. My wife's name was never on the account, the balance has been paid and now they are charging me a $59.00 member fee on the Jan 29-Feb 28 statement. They are claiming fraudulent use on the account. I personally have never heard of a Thief paying off a bill, trying to close an account and disputing member fees. I have tried on 3 occasions to close the account by phone which is their process stated on the back of the statement. There is no logic in this business practice of holding us hostage to an annual member fee when we no longer have the ability to use the account which was initiated by Capital One.Desired Settlement: Removal of member fee $59.00 and closure of the account without submission of my wife's PII.

Business

Response:

Dear [redacted],

We were recently notified by the Revdex.com of your complaint about the previous temporary hold placed on your account. We value your feedback and I’d like to share more information with you.

I’m sorry to hear of your previous attempts to close the account. Our goal is to stop charges at the first sign of fraudulent use and/or account information. On June 26, 2013, our Fraud Department determined that the social security number added to our system of record for the authorized user, [redacted], verifies to multiple people. This resulted in the temporary hold that was placed on the account restricting you from making any purchases.

On March 25, 2014, my research confirmed that our Fraud Department spoke with you and verified the social security number as correct. Although they removed the temporary hold on the account, as requested, the account was closed. We apologize for any inconvenience, but please know we do this to keep your account secure.

Regarding the Annual Membership Fee for $**, our records indicate that on March 25, 2014, our Customer Service Department credited the account for this amount. Additionally, I confirmed that a Late Fee for $** dated March 25, 2014, was also credited to the account the same day. The total credit of $** reflects on your April 2014 billing statement. The balance as of the date of this letter is zero and the account remains closed as you requested.

If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 8:30 a.m. to 5 p.m. PT. I’m glad to help any way I can.

Sincerely,

Review: In April I found that one of my payments that was made by mail had not been received by Capitol one, on by a credit card that I use. April 9th they hit my credit with one time late payment of $25.00 which showed negative on my credit report? But heres the problem, Capitol One did not even call me to let me know they had not received the payment which I guess is ok?! but they didnt even give me time to receive my bank statement, to notice that Capitol One had not received my check. So NO CALL? NO time to receive my bank statement? NO letter stating late? Then its on my credit report now. I have called them twice for help no help - they are rude, and the supervisor did not even care that I had no notice and no time to receive my statement or not even a email stating a late payment. Also, when I spoke with the supervisor about the email she did not send she said well maybe you need to contact yahoo they have helped with nothing at all. I have worked really hard to keep good standing on credit report until now. I need to get this resolved ASAP. I am purchasing a new home and this is affecting me big time.Desired Settlement: DesiredSettlementID: Other (requires explanation)

As of March Capital one removed my late fee. As a courtesy I would like my late payment to be removed.

Business

Response:

Dear [redacted], I am responding to a request filed with the Revdex.com (Revdex.com) asking that we remove the past due reporting from your credit profile. I appreciate the opportunity to assist with your concerns. This letter will serve as confirmation of what we discussed by phone on June 4, 2015. We understand you would like us to modify the information we reported about your account. Our records show that your account was reported as 30 days past due in March 2015, due to non-receipt of payment. I understand that you mailed a check to Capital One that was neither received nor cashed. The decision was made to send a request to the CRAs to remove the derogatory payment history reporting from your credit profile. The confirmation number for the update is: [redacted]. Please allow the CRAs up to 60 days to update this information in your credit profile. We apologize for any inconvenience this may have caused you. When we spoke on June 1, 2015, we confirmed the method which you were currently receiving statements. We also confirmed that you have received all other statements after the missed March statement cycle. Thank you for providing feedback about our associates. We do strive to provide excellent customer service on all of our calls or through chat services, and will use this feedback to make servicing better in the future. Once again, we apologize for any inconvenience this may have caused to you. If you have any additional questions or concerns, please give me a call at [redacted], Monday through Friday from 9 a.m. to 5:30 p.m. ET. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Review: I have been makinlag my payments with capital one on time for 4 months. I had an issue processing a Payment on the account this month with my bank. I in return made a [redacted] payment to them to pay off my balance. A day later they put a hold on my available credit stating they needed to verify activity on my account. I answered all the security question and before the call was over they need to verify my phone number. Now I got a new phone number to since then, so they number they wanted to call was disconnected. Since they could not call a disconnected number they wanted me to send in My Personal Documents to verify who I was, with Identity Theft already a problem in my pass I refused to send them anything and they would not take the hold off my account. I closed the account with them but very disappointed on how they treat there customers. All I did was make a payment to them.Desired Settlement: A new Account open with my Available $500 Credit would be nice.

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.

Before I can look into your concerns, I need to verify your information for security reasons. Please give me call at the number listed below and provide with following:

The last 10 digits of your account number

A copy of your driver's license

A copy of your social security number

A copy of a utility bill that has been issued within the past 60 days (This must include your current address as well as the name of the utility company and a phone number for them)

You can fax this information to [redacted] or mail it to the above address.

Once I receive this information from you, I can check into this. Please give me a call at [redacted], Monday through Friday from 10:30 am to 8 pm PT. I'm glad to help any way I can.

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.

I have verified my information with capital one multiple times and I do not wish to do it again. I will not go through this much trouble with them to me a customer and I am not sure they understand that I am not happy with this resolution. I have paid them in full I owe them nothing. They owe me. I want my account closed with them and I will never do business with them again.

Regards,

Review: They have INCORRECTLY applied CHECKS WITH INSTRUCTION letter INCLUDED to be applied to PRINCIPAL PAYMENT ONLY. Instead they apply as regular payments and keep taking interest. Their excuse is "Well that is just our processing center. They can do it wrong sometimes." WOW! Way to go for taking responsibility and I have to BABYSIT my transactions. If you call in to apply a PRINCIPAL ONLY payment...they send you an EMAIL that doesn't state EXACTLY WHAT the payment is for and you are left with nothing but HOPE that they apply it correctly. RIDICULOUS and unethical. They are applying my EXTRA PAYMENT-PRINCIPAL ONLY payments INCORRECTLY every time. I want a RECEIPT for their over the phone billing option to be correct and stating EXACTLY what business was conducted over the phone.Complaint concerns: an Auto LoanDesired Settlement: I want a FULL report of ALL transactions EVER processed on my account. I want a letter from them stating that they COMPLY with the fair credit act.

Business

Response:

Dear Ms. [redacted], I am writing in reference to your submission with the Revdex.com regarding your Capital One Auto Finance account ending [redacted]. This matter was forwarded to Capital One for research and response. We apologize for any delay you may have encountered in obtaining a resolution to your concerns. After a thorough review of your account and the conversations between you and our Capital One Auto Finance Customer Service agents in February and March of this year, we have confirmed that your request has been resolved, as of March 11, 2015. Although the issue was corrected, we also confirmed that our agent regrettably provided some inaccurate information when speaking with you on February 19, 2015. The agent incorrectly informed you that you would be able to send in a payment with a letter to state that you wished for the payment to be applied as principal only. If you would like to make a principal only payment, your account must be current and you must execute this payment online or by telephone with one of our agents. If there are other payments that you intended to be principal only payments, please contact us so that we can further discuss your concern. We regret any inconvenience this may have caused you. If you have questions regarding your account, please contact Capital One Auto Finance Customer Service at [redacted]. If you have any questions regarding this response, I can be reached at [redacted]. Sincerely, [redacted] Office of the President, Financial Services Capital One

Consumer

Response:

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

Review: This is regarding a hard-pull which took place against my credit report on April 30th of 2013. I do not recall authorizing that a hard-pull take place. Please remove the hard-pull from all records of all credit reporting bureau agencies: Innovis, Experian, Equifax, and Transunion. Do not retaliate against me or any family member in any way for demanding that the hard-pull be removed. For instance, if the removal of a hard pull will further damage my or a family member's credit score, then do not remove it.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Please provide evidence indicating my authorization for a hard-pull. I do not recall this. Neither can [redacted] or my son. In all, remove the hard-pull from all credit reports. If a hard-pull took place for another family member, such as [redacted] or [redacted], then please also remove any hard-pull for them as well.

Business

Response:

Dear ** and [redacted],

We have reviewed the situation you explained to the Revdex.com and want to address your concerns.

Thank you for allowing us the opportunity to review your concerns. We have taken this opportunity to investigate you claims and we have confirmed that we received two applications for financing via our Black Check program on April 30, 2013, for [redacted] and [redacted]. Upon receipt of your complaint, we forwarded your information to our Fraud Department for review and confirmed that the telephone number and mailing address provided in your complaint matches with the information submitted on the application.

We understand that your credit history/rating is important to you, and if you believe that you have been a victim of identity theft, we encourage you to file a police report and fill out an ID Affidavit (you may be able to obtain this form your local police station or from the credit reporting agencies). You may submit a copy of the police report and the ID Affidavit to us via mail at the below address so that we may thoroughly investigate your concerns.

Capital One Auto Finance

ATTN: Credit Bureau Disputes

Please understand that based upon the information available to us at this time, our inquiry on your credit bureau report was made with a permissible purpose. Therefore, we respectfully decline your request to remove any valid inquiries.

Please note that due to privacy issues we are unable to disclose information pertaining to [redacted]. If [redacted] has inquiries on his credit bureau report from Capital One Auto Finance that he believes are invalid, he may dispute them using the information listed above.

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,

Office of the President, Financial Services

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.

Where during the application process to Capital One indicate/warn that a hard-pull would take place? Where?

Regards,

Review: I had lost my job in June 2013. At this time I had my Capital One Credit Card. I was unable to make payments and fell behind. Capital One sent me letters and emails saying that if I made a payment of a certain amount I would bring my card up to date and would be able to use it. I obtain another job and attempted to make a payment. The first payment was returned because I forgot to update the bank information onmy mobile app. So I called and talked to a Capital One Represenative she informed me that I had a past due amount of $119.00. So I started to proceed to make a payment when she began to explain to me my next amount due would be $75. She stated that if I made the payment that my account would be up to date and my next payment wouldnt be due until March 15th. So I made the double payment under the impression that my account was up to date and I could use my card. However, on 3-5-14 during my lunch break I went to purchase lunch from [redacted]. My card was declined. When I spoke to a representative they informed me that my card was restricted and I wouldnt be able to use it anymore. I explained that I made a payment and was never informed that I couldnt use the card. She stated that would get her supervisor. She returned after a few minute hold and said that her supervisor looked at my account and said it was over 120 days past due and couldnt be changed. I voiced my displeasure and she tried to calm me down my saying that I can reapply later. I asked to speak to her supervisor again and she finaly put her supervisor on the phone (no name was given). Her supervisor tried to say she understood why I was upset but basically couldnt help. I informed her that I was never notified by mail, email, or during my phone call with a representative when I made my payment that I wouldnt be able to use my card. She checked her system and saw no notification of restriction and transfered me to a [redacted] ([redacted] or [redacted]) who basically told me that my card was restricted and that they (Capital One) didnt have to inform me of this decision. I was lead to believe by Capital One and their representatives that if I made a payment I would be able to use my card. Unfortunately, this was not true. I believe that Capital One intentionally withheld this information so that they can receive their payment. This is an unethical business practice and consumers should be informed of such things. Additionally they lied to me prior saying I could have a credit limit increase if I made 1yr worth of payments in a timely manner. However whenever I applied they denied me.Desired Settlement: Honestly, I just want to use my credit card. I have credit issues and I am trying to repair them. Everything in this world is based upon credit and if they close my account and take away my card I wont ever be able to get another card. While I dont blame them for my credit issues I do think they should either re-open my credit card account or give me my money back.

Business

Response:

[redacted],

We are including the details of your complaint and our subsequent phone conversation regarding this matter.

Our customer is concerned that he is no longer able to use his card for purchases. He is also concerned because his credit limit was not increased during the first year after opening the account. Our research shows that the account became over 120 days past due during the February 2014 billing period. Once an account becomes past due for more than 120 days, the account’s charging privileges are permanently restricted. The customer made late payments in March 2012 and July 2012, which made the account ineligible for an automatic credit limit increase through the Credit Steps program. We explained this information to the customer. Please let us know if you have further questions or concerns regarding this matter.

Thank you,

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.

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

Regards,

Review: My credit card was stolen over 5 months ago. I have been trying to log on to their website and access my account for the past 6 months and it has given me an error every single time. I have emailed them about my stolen card and my account problems, I have called multiple times as well. Each time I have called I am either directed to a machine asking for my account or card number, and I don't have access to either of those. When I finally got through to a person, they hung up on me 6 times right after I provided them with my social security number. The last time I called, the lady told me she had to transfer me to a different department but they were unable to take my call at that time and to try back in the morning. I now have horrible credit because I am unable to pay off my bills, and I can't see if I have any fraudulent transactions on my account either. It has been this way for at least 5 months. Due to this I have been receiving collection calls constantly, which I should not have to pay off collection billings because of a stolen card and denied access to my own account for over 5 months. I have also moved multiple times, and I am unable to change my billing address because of the website denying me access, I have not received any billings from them due to this.Complaint concerns: a Credit CardDesired Settlement: I would like to see my account and view how much money they are charging me for my overdue billings, as well as void all collections each company has attempted to collect. I find it completely unprofessional they would allow this to happen and cause my credit score to plummet due to their horrible customer service and denying me access to my own personal information.

Business

Response:

This is a duplicate case we previously received today through our CFPB regulatory channel and will be responding to the CFPB channel

Review: I called customer service In December 2014 and reported my card stolen. I was told they would be sending me a new card which they did. A merchant has been abusing the charges going to my card and have the same stolen card number I reported. January 5 I see them charging the stolen card again. I called and advised that they cant allow charges to hit the account when the card is inactive, I was then told that it would be the last one the merchant had already authorized the charge before I reported the card stolen. I call January 20, 2015 speak to a manager advised I want to CLOSE both my checking and savings with them. He does this and I receive a check for the money left in my account. February 5, 2015 charges hit the CLOSED account again making me negative. I call Feb 6 speak to another manager advised the accounts are closed what's going on, She says the merchant authorized the charge. I advised her that the account is closed it doesn't matter what they did. I said if I let this go and end up being negative hundreds of dollars you guys come after me, so what's the point of closing account and reporting a card stolen if you let charges hit the account. I've called more that 2x regarding this. I'm thinking I need to get a lawyer.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want the negative reversed like I was told it would be and my accounts CLOSED

Business

Response:

Dear Ms. [redacted]: We are writing in response to the complaint that you recently filed with the Revdex.com (Revdex.com) about your 360 Checking account. We understand that you are upset that transactions posted to your account after you reported your debit card stolen and closed the account. We value your feedback and hope to address your concerns. As explained in our email that was sent to you on February 26, 2015, on December 19, 2014, you reported your wallet stolen and your 360 Checking Card ending in 9476 was deactivated. A new card was mailed to you that same day. On December 30, 2014, you reached out to us because [redacted] withdrew $37.79 on December 21, 2014 from the deactivated card. Our associate correctly advised that, because this withdrawal was preauthorized before the card was deactivated, the purchase was successfully processed when the merchant attempted the transaction. On January 20, 2015, February 6, 2015, and February 9, 2015, when you reached out to us, our associates provided the same information regarding the preauthorization of the card purchases. Per your request, your 360 checking was closed on January 20, 2015, but was re-opened on February 5, 2015, when [redacted] processed another purchase from your card. When you called and spoke with a supervisor on February 6, 2015, she discussed the dispute process and confirmed that your 360 checking account could be closed again once the disputes were complete and the reimbursements made to your account. On February 12, 2015, you contacted us and requested to close your 360 checking account. Our supervisor successfully closed the account, for a second time, since the disputes had been credited in your favor. While our associates shouldn’t have set the expectation that withdrawals couldn’t be made from your 360 Checking card once it was deactivated and your account closed, this situation doesn’t typically occur and only continued to occur in your case because of how the merchant was processing the transaction. We apologize for any inconvenience or frustration this matter has caused. Please know that feedback has been provided to prevent this from reoccurring in the future. Additionally, we confirmed that no additional purchases from [redacted] or any other merchant will occur from your deactivated card, or your closed 360 Checking account. I hope this letter explains the situation and addresses your concerns. If you have additional questions or concerns please contact us at [redacted] or at [redacted]. Associates are available from 8 AM to 8 PM, 7 days a week. Sincerely, [redacted]

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

Business

Response:

Dear [redacted],I’m reaching out about your complaint to the Revdex.com, regarding automatic payments, closing your account, and information we are reporting to the Consumer Reporting Agencies (CRAs), like [redacted] and [redacted]. I left you a voicemail on January 7 and 30, 2015. This is the follow-up to our phone conversation on February 2, 2015, and the letter I previously sent you about information we are reporting to the CRAs.Automatic payments for this account were not set up through our online banking website. If you set up payments through your bank, please reach out to them for an investigation as to why the payments were not received by us. The last payment we received was manually submitted online as a one-time payment on June 30, 2014, to be posted on July 21, 2014, for $5.00. Because minimum payments were not received by the due date, the account was billed fees and progressed in delinquency. We did not make calls to collect on this account because of the low balance that was past due. On December 24, 2014, we began an automated close process for past due accounts that have balances that only consist of fees and credited the balance of $89.01. The credit posted on December 26, 2014, and is shown on the January 2014 billing statement. On January 24, 2015, the account had a zero balance; we completed the close process and sent a request to the CRAs to remove the negative payment history from September 2014 through December 2014. Please allow 60 days for the Consumer Reporting Agencies to update our request. If you have questions, please call me at [redacted], Monday through Friday from 8 a.m. to 3:30 p.m. ET. I’m glad to help.Sincerely,[redacted], 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: Capital One started sending me credit offers back in October of 2014. I called the opt out number and gave my information to be taken off their mailing list. They still persisted in sending me offers. I have opted out at least four times now to no avail. I even called them directly on January 15th and spoke to two different CSRs, explaining to them that I had opted out starting back in October of 2014, and I didn't appreciate them continuing to send me offers when I am on SSDI and have no use for a credit card. I told them I wanted them to stop immediately, and that if they persisted I would consider it harassment because it is. I was assured that my claim would be escalated and that the offers would cease, but today I received another one in the mail. They obviously have no intention of honoring their word to me, and I am at my wits' end about this. I am not interested in a credit card, and cannot afford one anyhow being on SSDI. I don't know how they got my information considering I haven't applied for credit through anyone at all, and I really, really don't appreciate them spamming me with their offers. I just want them to stop harassing me.Complaint concerns: OtherDesired Settlement: I am hoping that you will be able to put it in terms that Capital One will understand, and that they will never send me another pre-approved credit offer because I am sick to death of them. If they keep on, I will see about contacting my lawyer that I used for disability, and see if they can assist me with this or point me in the direction of someone who can. It's not right that a company should harass someone who has done the right thing, jumped through the hoops to be taken off of their mailing list.

Business

Response:

Capital One Case: [redacted] Revdex.com No. [redacted]

Dear [redacted], This letter is in response to the complaint you filed with the Revdex.com, about receiving credit card offers from us. I would like to address your concerns, and confirm what actions were taken to avoid any future mailings. In your complaint you stated that you have been receiving solicitations from Capital One, despite your attempt to have your information removed from our database. You mentioned that you called the Opt-Out hotline multiple times starting in October 2014, but your efforts were unsuccessful, as you continued to receive these offers. You also stated that you contacted us on January 15, 2015, and spoke with two agents about your dissatisfaction with the many offers you keep receiving in the mail. You informed the agents that you called the hotline to opt-out, and you expect your privacy preferences to be honored. The agents assured you that you will not have to worry about this going forward, as they were updating your information. The 888-5OPT-OUT number that is listed on the mail solicitations is a line that is managed by the Consumer Reporting Agencies (CRAs), like [redacted] and [redacted]. This opt-out channel removes you from the prescreening phase, and regrettably, this form of opt-out is not loaded into our internal privacy database because of it being handled by the CRAs. On January 15, 2015, your request was sent to us from one of our marketing vendors, and our records show that your preferences were updated on January 20, 2015. I confirmed that your information was submitted, again, on January 22, 2015, and on January 27, 2015, to ensure that you are opted out of receiving any offers from us, going forward. As we discussed by phone on February 6, 2015, we are unable to expedite this process, and if your name was previously selected for any of our upcoming mail promotions prior to this request, it is possible for you to receive information from us over the next several weeks. We understand that this can be frustrating for you, and we’re sorry for any inconvenience this may cause. If you have any additional questions, you may contact me at [redacted], Monday through Friday from 9 a.m. to 5:30 p.m. ET.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.

I have attempted to get them to stop sending me offers many times now. I used their opt-out hotline starting in October of 2014, and in January I finally called them directly and spoke to two different agents who assured me they would escalate my problem and all communications would cease. They have not ceased still. I am still getting letters from Capital One. I do not understand why this company cannot just erase all of my information from their system which, to my way of thinking, would eradicate any future offers from being sent out. Really, I have dealt with receiving junk mail in the past and one phone call was enough to stop the solicitation. That is not the case with Capital One however, and I am not the only person they are harassing by mail. I do consider this to be harassment at this point as I have repeatedly tried to get them to end the unwanted solicitations. I am a woman on disability - just what do I need with a credit card? I can barely make ends meet as it is. I am going to enclose what they offered me, which really was nothing at all. As I said, I have been dealing with this company since last year and I am still to this day getting unwanted offers from them even after filing this complaint. How hard can it possibly be to stop sending someone unwanted offers? Why, after fighting with them for months now, are they continuing to send me unwanted offers and claiming they cannot expedite the process when the agent that I last spoke with assured me it would be expedited and stopped? I am obviously being lied to here.

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

Business

Response:

Dear [redacted],

This letter is in follow-up to out conversation on December

18,2013, in regards to the disputed charge with [redacted], on August 12,

2013, in the amount of $1,000.00.

We’ve credited your account for [redacted]! We’ve resolved the dispute with

[redacted] in your favor. Here’s a breakdown of the credit.

August 12, 2012, charge for [redacted]

interest charges for [redacted]

These will be a permanent credits and will show on your December

2013 billing statement.

If you have any additional questions, please call me at

[redacted], Monday through Friday, from 11:30 am to 8pm PT. I’m glad to help

any way I can/

Sincerely,

[redacted], on behalf of Capital One

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

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

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

Business

Response:

Dear [redacted],Your complaint to the Revdex.com was forwarded to the attention of the Executive Office for response. We have submitted a request to the Consumer Reporting Agencies to update your credit file and remove the inquiry from October 9, 2014. Please allow up to 60 days for the agencies to update your credit file.When the application was submitted to us, it was not able to be processed immediately. This is because there was a fraud alert on your credit file. We attempted to reach you by phone; however, we were unsuccessful using the phone number that is listed on the fraud alert. As a result, the application was unable to be approved.We appreciate the opportunity to address your concerns. If you have any additional questions, you may contact me at[redacted]. I can be reached Monday through Friday, from 8 a.m. to 4 p.m. ET.Sincerely, [redacted], on behalf of Capital One

Consumer

Response:

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

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

Regards,

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

Capital one was great at first until they closed my account because of a misunderstanding they had on their part! I called to get a credit increase and as they approved my credit increase of 500, the representative CLOSED my account by mistake! In result of that closure my credit score dropped 40 points hindering me from buying a house! I spoke to Capital One numerous times where each time they stated they would resolve the matter and would request for the credit bureau to delete my account so that it would show as a closed account (since that is what lowered my score) however, nothing has been done yet and I keep getting the run around. I am vey dissatisfied with how their company is handling this situation especially when it is something that was done wrong on their part!

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

CAP ONE

#[redacted]

PO Box 30281

Salt Lake City, UT 84130

(800) 955-7070

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

Business

Response:

Dear [redacted], I’m reaching out to you about your complaint to the Revdex.com (Revdex.com) regarding information we’ve reported to the Consumer Reporting Agencies (CRAs), like Equifax and Experian, and copies of statements for the timeframe the account was opened. We know your credit is important to you so we want to help you understand what we found. We are sorry that we were not able to locate the above account information on your initial call to us.Our records show this account was established in the name of [redacted] on July 7, 2005, after we received an application by phone. For this reason, there is no application to provide you with. The account was established with the address [redacted], [redacted]. This address was verified through public record and has been linked to you from February 2002 through October 2007. We confirmed your name, Social Security number and date of birth matches the information in your credit files. As requested, we have enclosed statements from August 2005 through October 2006. If you have additional questions or concerns, please give me a call at 800-955-1455, I am available from 6:45 a.m. to 3:15 p.m. PT, Monday through Friday. When contacting me, please be sure to have the following six digit phone PIN available: 858834. I am happy to help in any way that I can. Sincerely,[redacted], on behalf of Capital One

Review: I signed up for a capital one credit card, under the advertising for the card I was promised 100 card credit upon initial signup if I spent 1000 dollars in 3 months. I spent over 2000 dollars in the first 90 days. I was never given a credit I was also charged a yearly fee in the first statement although the card agreement stated no annual fees.

after numerous attempts and correcting the issue, I was told that I was given a different card because of my credit score and because I had numerous delinquencies on my account. after verifying the info with all 3 credit reports the statements provided by capital one have been false. I decided to cancel my card and requesting the following outcome outlined below.

My Name is [redacted] the last four of my social is [redacted] the billing address is as follows [redacted] billing phone number is [redacted]My complaint concerns: a Credit CardDesired Settlement: deletion of all credit inquiries from my credit report for accounts ending in [redacted], [redacted], final closure of my account and deletion from credit bureaus. removal from any future mailing list.

Business

Response:

Dear [redacted], Thanks for speaking with about your concerns submitted through the Revdex.com of Central Virginia (Revdex.com). Please consider this letter as a confirmation of our conversations. As promised, I’ve credited $100.00 to your account ending in [redacted] as a courtesy. This credit brings your account balance to a credit balance of -$100.00, which will be issued to you in the form of a credit balance refund check. Please allow up to seven business days for the check to be issued and up to ten additional days for mail time. I understand you had concerns that the account ending in [redacted] did not have the terms for which you applied, and you did not intend to apply for the account ending in [redacted]. I’ve confirmed that both accounts were opened as a result of online applications for credit. I found no error in the terms provided on either application. Since the applications were not submitted fraudulently, I must respectfully decline your request to delete these tradelines from your credit file. I’m sorry for any frustration this may cause. I’ve also confirmed that two different applications were submitted on July 3, 2015, referenced above. However, both applications were declined because there is a FACTA alert on your credit file that does not contain a valid contact number for you. Since neither application was submitted fraudulently, I must again decline your request to delete the inquiries that resulted from these applications from your credit file. As we discussed, I can reopen your account ending in [redacted] and submit a request to increase the credit line on this account. However, you’ll need to contact the Consumer Reporting Agencies (CRAs) to update your FACTA alert first because we’ll need to access your credit file before making a decision (this is a soft inquiry that does not negatively impact your credit score). I’ve provided the CRA’s contact information below: 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 Bureau of Consumer Financial Protection, 1700 G Street NW., Washington DC 20006. Experian Equifax TransUnion LLC Innovis PO Box 2002 PO Box 105069 Attn: Fraud Victim Attn: Consumer Allen TX 75013 Atlanta, GA 30348 Assistance Department Assistance 888-397-3742 800-685-1111 PO Box 6790 PO Box 26 www.experian.com/ www.alerts.equifax.com Fullerton, CA 92834 Pittsburgh, PA 15230 fraud 800-916-8800 www.innovis.com www.transunion.com Regrettably, the line was disconnected during our last conversation prior to confirming whether or not you’d like to reopen your account. At this time, the account remains closed. Please contact me at the number referenced below if you’d like to reopen your account. Lastly, you mentioned in your request to the Revdex.com that you’d like to be removed from future mailing lists. I have entered your preferences into our system and your request will be processed immediately. If your name was previously selected for any of our upcoming mail promotions prior to this request, it’s possible for you to receive information from us over the next several weeks. Please keep in mind that this choice does not include information we may send you in our regular communications, like your billing statement or when you call in to our Customer Service Center, about products and services that are directly related to your account, such as balance transfer or purchase check offers. Additionally, your choice will apply to all of your Capital One branded accounts. If you have a private-label credit card with one of our partner companies, you’ll need to contact our private label Customer Service Department separately. If you have additional questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 9 a.m. to 6 p.m. ET. When contacting me, please be sure to have the following six digit phone PIN available: 858834. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Review: The company has processed an unauthorized credit transaction on my credit card I did not use. they have send it to the credit reporting agencies which has affected my credit rating. I have complained about this issue and capital one has failed to remove it and the late payment from my credit report. the charges on the account was $12.50 which doesn't belong to me was reported to the bureau. , I have reported the case to the [redacted], Police department with case [redacted]. the bill of $12.50 plus $72.51 interest for 60 days has been force to pay in February 2013. I need this late payment remove from my credit report.Desired Settlement: A letter to the credit reporting agencies that the charges are invalid and should remove the late payments off my credit report.

Business

Response:

Dear [redacted],

We are responding to your correspondence received by the Revdex.com regarding your account.

Per our conversation on November 26, 2013, our Fraud Department issued credits on November 19, 2013, and November 21, 2013, to the account in the amounts of $[redacted] and $[redacted], for late fees, interest charges and an unauthorized charge for $[redacted]. As a result of the credits issued, a credit refund check has been requested in the amount of $[redacted]. Please allow 7 to 10 business days for mailing.

Our Fraud Department has sent an update to the major consumer reporting agencies to delete the 60 days late in April 2013, and 30 days in March 2013 from your credit profile. All credit reporting is processed electronically and it may take these agencies up to 90 days to update their records. In the interim, this letter shall serve as verification to any parties that may be interested in the outcome of this matter.

If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 7 a.m. to 3:15 p.m. PT. I'm glad to help any way I can.

Sincerely,

[redacted], on behalf of Capital One

Review: On November 06, 2013, I received a voicemail from Capital One (my credit card company since 2003). The message said that my account was past due and that I needed to make a payment right away. Since I don’t receive my statement via mail, I had to go on the Capital One website to check my account. My surprise was that I had been charged a $35 past due since June of this year because my payment for June was received on the May billing cycle (shown on May statement). From that point on, my account kept getting past due fees because I was not meeting the new minimum payment amount. Accumulating $175 in past due fees from June to November (receiving a past due fee each month since June). I was NEVER aware of these past due fees. I NEVER received a call in the past few months to inform me of these irregular charges. Being a loyal and responsible Capital One customer, I would think Capital One would have the courtesy to call me or try to contact me for these charges. I have been making payments every month without missing any payments. Always paying more than the minimum payment and as you can see on the statements I make my payments weeks before the due date. I contacted Capital One in different occasions, have spoken to different account managers and all they have offered me was to waive 2 past due fees for the amount of $70. I do not believe this is fair. I am being penalized for paying early. I do pay interest for using this credit card, it’s not free but I guess the interest charges are not enough income to Capital One Company and are coming out with these irregular fees on dependable customers. I have been a loyal customer for 10 years and have never had a problem with Capital One. I have been making payments every month and I feel that Capital One took advantage of their big company power to charge me these fees and damage my credit records. I am very upset and disappointed at this uncomfortable situation. Besides the fact that Capital One wants me to pay for these irregular fees, these past due fees will be reflecting on my credit records which will affect on the purchase of my first home. I have an excellent credit history and I do not wish to be jeopardized by these irregular charges. I hope that you can advocate on this matter. If you have any questions, please e-mail me. Sincerely, [redacted]Desired Settlement: I want those 5 past due fees to be waived from my credit card account and deleted from my credit records.

Business

Response:

Dear [redacted],

I’m reaching out to you about your complaint about your late fees. We take your concerns seriously, and I have good news to share.

Our records show that you set your online account preferences to receive paperless billing statements in April 2009. We did not receive any payment during your June 2013 billing cycle, and we received payments in amounts that were less than the minimum payment due during

your July 2013 through October 2013 billing cycles. In case it helps, enclosed is a payment activity listing for your June 2013 through November 2013 billing cycles.

We usually don’t credit late fees when we receive payments after the due date, or when we receive payments for less than the minimum payment due. However, as a courtesy, we’ve credited your account $** for the late fees that were billed on June 25, 2013, July 25, 2013, and

August 25, 2013. These credits are in addition to the $** in late fee credits that were applied to your account when you spoke with our Customer Service associates on November 11, 2013. You’ll see these credits on your December 2013 billing statement.

We understand you would like us to modify the information we reported about your account. Our records show that your account was 30 days delinquent in October 2013, and we’ve confirmed that we’re reporting accurate information. I’m sorry if this isn’t the outcome you were hoping for.

You were concerned that you didn’t receive collection calls until November 2013, as opposed to when your account began to fall past due in June 2013. Our policy is to only initiate collection telephone call efforts after an account falls 30 days past due.

Please note that our payment cutoff time is 5 p.m. ET, on the day your payment is due. You

may find some of our Online Banking tools helpful for managing payments. For more information on features, like automatic payments and payment-due alerts, visit [redacted] If you have any questions, please give me a call at [redacted], Monday through Friday,

between 8:30 a.m. and 5 p.m. PT. I’m glad to discuss this with you.

Sincerely,

Capital One

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Description: FINANCIAL SERVICES

Address: 5507 Ridge Rd, Mount Airy, Maryland, United States, 21771-8109

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