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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: I manage a shop in [redacted] that has a website associated with it.I received an order from a customer Named [redacted] on May 7th 2014 the order total was 1,475.09.Upon receiving the order I contacted the customer to verify the order and then contacted the Bank which was capitol one to verify that the information was correct and the card was not reported stolen. I also explained the manner in which I received the order and asked capitol one representative if this was safe to charge. They said yes there was NO PROBLEM with this sale as such. I then entered the sale manually in my credit card machine and it cleared.May 12th I received a letter from the customer via email thanking me for delivering the item.On 6/13/2014 I got a chargeback notice from capitol one so this is more than a month later.at that time they said it was a random fraud check and no one (not the customer) had called to complain and I gave them the initial order, plus the letter from the customer plus a statement from me explaining that I was given authorization from the bank.I called in a couple of days later to see if they had received the information and they had. They also said I was " all set" at that time.Then on 7/17/2014 I got another chargeback notice and THIS TIME they said it was reported by the customer. Who I had spoken too a couple of times.Now I am personally out the $1475.09 for the sale which includes $1200 cost of item replacement.The reason is that I had to pay out of pocket back into the business to cover the cost of the goods.Desired Settlement: I would like Capitol one to honor the fact that they themselves did not advise me to not take the sale. They gave me the green light and ONLY THEN did I process this order. I feel that Capitol one is the responsible party in this situation.I am only seeking the cost of goods.Captiol one owes me $1200 to cover the cost of the goods.

Business

Response:

Capital One acts as an advocate on behalf of its customers. In this case, it is the responsibility of the acquirer to act on behalf of the merchant. We are not obligated to address any inquiries coming directly from the merchant. Merchants must contact their banks for transaction dispute resolution.

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.

Based on your reply - why then did CAPITOL ONE BANK give me permission to charge the card?

If there were any issues I should have been told not to charge the card. The directive came from capitol one and capitol one is ultimately responsible.

Regards,

Review: I applied for a promotion that Capital One was offering. When clicking on the promotion I was immediately approved. The offer was for interest free access to the credit limit I was approved for a specific timeframe. Approximately, a month into the agreement I noticed an interest charge. I contacted the customer service line in which I was told I was approved for an agreement that included interested charges throughout the contract. I was misled to believe I was approved for the interest free promotion as I was never notified I was not approved for said offer and instead was approved for a completely different agreement. The customer service line passed me through three different individuals in which they ([redacted]) were unwilling to make any adjustments to the account. Subsequently, I have charged an amount in which I will receive at least three months of interest charges before the balance can be paid off. I feel as though the site is intentionally set up to make people believe they were approved for a promotion they are running when in reality they are approving them for a completely different agreement that is not comparable to the actual promotion that the was originally was selected. Also, there is no formal notification that you were denied approval from the agreement you originally applied for. I have since requested that my card be cancelled.Desired Settlement: My desired outcome is that I be refunded the interest charge I received in Oct. 2013 of $26.80 and given three months interest free as that will be the length of time I will need to pay off my current balance.

Business

Response:

Hi [redacted] -

Can you please update the below complaints as resolved by phone and confirm once complete?

[redacted] - We called the customer and honored his request to credit the interest charges for this month and next month.

Thanks!

Review: On Friday 9/13/13 I attempted to make a payment using Capital One's [redacted] application. This attempt resulted in an error on the application. I received no confirmation. Monday 9/16/13 they took the money anyway. additionally, causing overdraft fees of $75Desired Settlement: I would like a credit for the $75 overdraft fees without waiting weeks and sending snail mail back and forth.

Business

Response:

Dear [redacted]:

This letter is in response to your complaint received for the Revdex.com regarding a mobile payment on your account. We would like to try to help you with this.

We verified that your payment was processed correctly on Friday September 13, 2013, for $202.65. Since you amde the payment was processed correctly on Friday before the 5:00 p.m ET cut-off time, it was posted to the account for that day. However, the payment did not debit your bank account until the next business day, Monday, September 16, 2013. Our mobile payment provides a confirmation number upon successful completion and cancellation of mobile payments.

In the future you may contact our Customer Services Department for concerns with canceling or changing a payment. You may also check your online account notification settings by logging in your account via www.capitalone.com to ensure you are set up to receive confirmation emails. As a courtesy I have credited your account $[redacted] for any inconvenience you experienced due to this matter.

If you have a question or conerns, please give me a call at [redacted] Monday through Friday from 8:30 a.m to 5:00 p.m. PT. I'm glad to help any way I can.

Sincerely,

Office of Executive Resolutions

Capital One

Review: I have been reported to all 3 credit bureaus for being more than 30 days late on my $ 25.00 March 2015 payment to [redacted]'s. Which has dropped my credit score by 66 points. Some how my March 2015 e statement ended up in my spam folder there by causing me to miss the payment. Please note I NEVER SIGNED UP FOR ELECTRONIC STATEMENTS FOR THIS REASON. When I received my April statement again via email I learned a payment was missed and immediately paid the entire amount past due to bring the account current ( 4/19/ 2015) and signed up for auto-pay). two days late I received notification from my credit monitoring service that I was being reported late by a company. I checked my credit bureaus and discovered that [redacted]'s had reported me as late on 4/22/2015.

I immediately called customer service and asked to have the late payment removed. I was told that my request would be sent to the proper department for review. Today I received a the enclosed letter stating that they could not remove the late flag from my report yet it acknowledged there was an issue with receiving my March statement.

I have never been late on this account or any other credit accounts. I also don't understand how they can report me late after I have brought the account current. To date the account information has been reported and listed incorrectly on my reports.Desired Settlement: I'm requesting as a courtesy for [redacted]'s to remove the late payment flag from all 3 credit bureaus.

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.

I'm not satisfied with the outcome of this investigation. I feel that it's unreasonable for the company not to remove the 30 day late payment flag when they acknowledge in the attached letter that there was an issue with my receiving my March 2015 statement. All I'm asking for is a goodwill adjustment since as soon as I was aware of the late payment I paid the amount due including fees immediately. After I had brought the account up to date the company then reported me as being late. The flag has decreased my credit score by 66 points. I don't think I'm asking to much for a one time adjustment since there was obviously an issue with my receiving the statement. Further more a payment for may was taken from my account when I had a zero balance on the account. Their system is not full proof.

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

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

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

Business

Response:

Re: Account ending [redacted] Capital One Case: [redacted] Dear [redacted], I was recently notified by the Revdex.com of your concerns about the rewards program benefits included on your account when you applied. I’m sorry for any frustration this situation may have caused you. As a courtesy to you, a credit of $100.00 cash rewards was added to your account on December 19, 2014. This credit was reflected in the rewards section of your December 2014 billing statement. I have reviewed the offer that was accepted when you applied for this account. This was a mail offer that was accepted. Additionally, this product does not offer the Early Spend Bonus. If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 4:50 p.m. ET. I’m glad to help any way I can. 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 10352207, and find that this resolution would be satisfactory to me. The company took swift action and addressed my concerns, I really appreciate that. Thanks again!

Regards,

Review: I signed up for capital one I have been paying my bill since October had the card since sept they refuse to recognize my oct said billing cycle didn't start till nov. I was told after multiple payments I would get a credit increase every time I call about if I keep getting told next month next month because in feb. my payment was late because the 1 st was a Friday and banks closed on the weekend due date was the 4 th so I called to let them know the representative know the gentleman told me he will note that and make sure I don't get a late fee or penalized. So I called last month and was told I was penalized and had to wait till June now I'm being told July I have made every payment and paid 100 to 200 dollars to my card even though my minimum is only 25 and this is how I'm rewarded given the run around and treated like my hard work of proving I'm a good customerDesired Settlement: To increase my credit and compensation for the inconvenience and treated so disrespectfully

Business

Response:

The customer wanted a credit limit increase. However, when we contacted her by phone, she had already received an increase and stated she would be withdrawing her complaint.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [email protected].

Review: The past 4-5 years, my account has been monitored and financial information about transactions and balances have been transferred to businesses and venues across town. There are also personal messages often transferred through the drive thru or inside teller. I have reported this several times and it has continued. Even today, the designee manager at a branch I went into heard the complaint from what happened earlier today. Within a 20 minute time frame, the deposit to my bank account was transferred to a local networking group. I reported it and at the end of the meeting this happened again. I am really uncomfortable with this message stalking and about the security of banking with CapitalOne.

Business

Response:

Dear [redacted]

We are writing in response to the complaint that you recently filed with the RevDex.com (Revdex.com) regarding the safety of your checking account. We understand that you feel your

security is at risk. We value your feedback and hope to address your concerns.

First, we would like to assure you that customer security is very important to us. We always

strive to ensure all customer information is protected and secured.

In reviewing your concerns, we were able to confirm that our records do not show that your

account information has been compromised. We understand that you mentioned after you made

a deposit it was transferred to a local networking group. Please know there wasn’t a transfer out

of your account to a local networking group.

After further review, we were able to confirm that you spoke to your local branch manager about

this matter. You were advised that we do not share your account information to anyone other

than you. Additionally, we offered to reset your online banking credentials, but you declined.

Another effort you can take is to review your account transactions via online banking, and

review your monthly account statements, to verify all transactions are authorized. If you do

suspect an unauthorized transaction, please reach out to our Claims Intake Center at [redacted]

[redacted] Associates are available Monday – Friday 7am – 7pm CST, and Saturday 8am –

5pm CST.

We regret any confusion or inconvenience this matter has caused you. If you have any

additional questions or concerns, I can be reached at [redacted]

Sincerely,

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID[redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [email protected].

*I received a letter from CapitalOne this weekend in response to this however they denied any tampering with accounts and communicating information about my accounts to other parties. This has been going on for several years. They also guarantee the amount in the account is accurate. Last time I checked there was a significant difference, however I am going to double check the entries today and hope to find the correct balance on the account and then close out the account. I have not had much of an internet connection the past couple of weeks and will be back in touch before the 8th.

Regards,

Review: I made a late payment in March of this year. I fully acknowledge that. My mother died in February of this year. During the months before her death I was often traveling 300 miles each way on the same day, sometimes after work(!), to be with her and take care of my aging father. When she passed there was more travel, a ton of legal work to do and arrangements to be made, not to mention the actual memorial service.I made a late payment because there was SO much else going on, it just got overlooked, and now it's on my credit report.I contacted customer service and explained the circumstances and asked, given that I have NEVER made a late payment before and NEVER have made one since, if they would consider deleting the negative information from my credit report. The customer service rep was great, a week letter I got a form letter saying that they investigated and determined the information supplied to the credit agencies was correct. I wrote a letter back to them saying what I just said here, and I got the exact same form letter back.I do not dispute what they reported, I'm only trying to ask that they listen to my story, realize I'm a good customer and make a decision. Yet, there is no one to talk to. No phone number no email adress, nothing. Just form letters. As an aside, they are not the only creditor whom we made a late payment to during that time, yet they are the only ones who have not agreed to delete the deragoty credit reporting items.

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

Someone to talk to who will consider what I've said above and who is empowered to make a decision on my behalf.

Business

Response:

We were able to honor his request and update the derogatory information reporting.

Review: I spoke a executive representative from Capitol One named [redacted] about clarification of an account that I didnt want to have another card. [redacted] dispute supervisor. # [redacted]Customer Service 1. ID # [redacted] 2. ID #[redacted]Desired Settlement: I am requsting to have the capitol one card at capitol one reinstated.

Business

Response:

Dear [redacted], This letter is in response to the complaint filed with the Revdex.com about your request for reinstatement of your account. I am glad to share more information regarding the status of this account. Per your request, we have reinstated your account as of February 25, 2015. If you have additional questions, please give me a call at [redacted], I am available from 6:45 a.m. to 3:15 p.m. PT, Monday through Friday. I’m happy to help any way I can. Sincerely, [redacted], on behalf of Capital One

Review: I have a zero liability on my account for fraud charges. I have fraud charges so why has no one investigated my claims. Why is my fraud specialist never available. I need help and need answers today. Why is my account restricted for no reason. Capital one is not helpful to customers. Last four digits [redacted].Desired Settlement: Why has these charges have not been removed. 07/02/2013 [redacted]Details:EATING PLACES, RESTAURANTSTransaction Date:06/30/2013Posted Date:07/02/2013 [redacted] Transaction Details 07/01/2013 [redacted] Other [redacted]Details:[redacted].- [redacted]Transaction Date:06/29/2013Posted Date:07/01/2013 [redacted] Details 07/01

Business

Response:

We have responded to the cardmember by mail on August 12, 2013 requesting for more information. This matter can not be resolved until we receive a response from the cardmember.

Consumer

Response:

I am still waiting on a response back from the company. There is still no credit on my card and my card is still restricted!!!!

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,

Business

Response:

We have responded to the cardmember by telephone on September 6,2013. The matter has been resolved in the cardmembers favor.

Review: I was double charged for a software subscription of [redacted] for my home computer from [redacted]. Capital one services is company used by [redacted]. I called to have the charges removed from card over 7 months ago. Since then I have been dealing with phone calls and letters from the company saying I am delinquent and will be entered in collections. I have called over 8 times and spent hours and hours trying to get get it resolved. My original bill was only $32 but is now over $140 (late fees added on)for something I never purchased in the first place. I have been told by supervisors and managers at the credit card company that it takes a billing cycle to clear off my card. It has been over 5 billing cycles and still I get calls and letters saying I owe them. This is the worst service I have ever received. Never open a card at [redacted]. Ever! This should have been resolved over 6 months ago but I have to keep calling to ensure my credit is not affected by this awful company. I have a near perfect credit score....they will not resolve my problem.Desired Settlement: I want my card closed and my balance to be $0 on my account. I want a letter from them showing that my credit was not impacted.

Business

Response:

Dear [redacted]:

We recently received your concern about the disputed charge of $ [redacted]. We're glad to share more information about this.

My research confirms that we issued a credit in the amount of [redacted] to your account for the disputed charges on August 9,2013. We also issued credit for [redacted] in Late Fees and [redacted] in Interest Charges. You'll see there credits on your August 2013 billing statement. I have also sent an update to the consumer reporting agencies to ensure the delinquency reporting has been deleted. For your reference, the control number for this update is 66580205. As all credit reporting is processed electronically 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.

Thank you for allowing me the opportunity to address your concern. If you have additional questions or concerns regarding this matter, please contact me at [redacted], extension [redacted]. I am available to assist you from the hours of 11:30 a.m. to 8:00 p.m. PT, Monday through Friday.

Sincerely,

I over paid by a thousand dollars on my credit card on 10-26-2015 On 10-27-2015 I requested a refund of the overpayment. It is now 11-16-2015 and still no refundI have talked to several supervisors and all have said it will be taken care of. my last two calls resulted in no check sent . money will be deposited directly into my checking account over night last call said it would take at least 5 business days to complete the transaction. I won't hold my breath on that one All this from a company that has a business motto that says "DO THE RIGHT THING". I thought it meant for the customer satisfaction but I was wrong silly me.

I've had capital one credit card for a couple months now. Everything was good in the beginning till it got harder to pay my balances off. I work full time and take care of bills and other things at home. I have used the capital one app for my billing payments so I can keep up with them. But as of lately I've tried canceling payments and the app would not let me cancel them. I tried canceling a payment I had made before and it was at maybe 4-5 in the am. So I know the payment hasn't been processed yet and I would be able to cancel it. So it wouldn't mess with my checking account I have with my bank. The app wouldn't let me cancel the payment saying that that there were technical problems. And that I had to call them. So I did and the representative was no help. They didn't listen to me. He kept going off topic trying to buy time. As I told him my reason for calling. Then all of sudden tells me to give me a second and goes to try and cancel it. Then he tells me he can't cancel it and that he is sorry. I was livid because the whole time your holding me up the payment could have been canceled. And I know it could have been canceled because I've done it before. I make payments every week so I can keep up with it. He kept apologizing but apologizing doesn't help me when this is gonna mess with my bank account. So I'm done with capital one. Cause it's been more then a few times they did this. I've had more luck fixing my scheduled payments with my [redacted] credit card.

So me and my wife are on the auto loan for capital one, and she had to file chapter 13 bankruptcy. As she is doing this payments are STILL being made to capital one. After my wife is told by the attorney that she needs to file the chapter 7 instead she has the chapter 13 closed. During the process the attorney says to continue making FULL payments to capital one to which we were. No notice not even a call was given and capital one had MY car repossessed! I'm the one who works hard AND pays my payments. In the process of three major phone calls threw capital one we are only told we have 10 days to come up with $2200 and whatever the repo lot daily charges there are to get the car back. Today the second day I went to get my possessions and was told that the car does not even stay on lot for the whole 10 days! In fact today is Thursday and I'm in Va and he tells me more than likely it will be sent to NC on Monday DAY 5!!!!!! For auto auction prep! I have contacted my attorney and he did warn me of shady company's and capital one from multi sources is WELL known to be the shady type of company!!! Businesses like this should NOT be allowed around! Something needs to be done pronto to stop this company from praying on innocent people!!!!

Horrible customer service. Repeatedly lied to by multiple people. Refused to give me any identifying information such as an employee number and refused to transfer me to supervisor. Closing my accounts because there's obviously nothing I can do. Don't know why I'm even bothering with this, the fact that they have an A+ rating tells me how corrupt the Revdex.com is anyway. They have the lowest rating on every consumer website there is.

Review: TRYING TO INCREASE MY CREDIT LINE. NO BODY IN THEIR OFFICES WILL ANSWER MY QUESTIONS ABOUT IT . THEY SAY I MUST WAIT TEN DAYS FOR A RESPONSE TWICE I NEVER RECEIVED RESPONSE. AND THE THEY KEEP MAILING ME NEW PROMOTIONAL CARDS WITH HIGHER CREDIT BALANCES AND PRE APPROVED CAR LOANS.Desired Settlement: TO INCREASE MY BALANCE

Business

Response:

I spoke with the customer and advised of the resolution. The customer is satisfied.

Review: A MERCHANT CHARGED MY CREDIT CARD $14.95 FOR A DOWNLOAD THAT I HAD CANCELLED 6 MONTHS EARLIER. I CHECKED MY CREDIT CARD STATEMENT AND NOTICED A BALANCE OF $14.95 SO I PAID IT. I CONTACTED CAPITAL ONE VIA EMAIL AND EXPLAINED THE SITUATION. THEY OFFERED ME A CREDIT FOR THE $14.95 WHICH THEY FOLLOWED THRU ON. I ALSO CONTACTED THE MERCHANT AND SO DID CAPTIAL ONE. THE MERCHANT EVENTUALLY GAVE THEM THE $14.95 BACK. NOW CAPITAL ONE HAS BEEN PAID BACK SO THEY TOOK THE CREDIT BACK AND LEFT ME WITH A $0 BALANCE AGAIN. HOWEVER SINCE IT WAS NOT AN ACTUAL CHARGE ON MY CREDIT CARD, CAPITAL ONE OWES ME THE $14.95 THAT I PAID FROM MY CHECKING ACCOUNT TO COVER THE ORIGINAL MERCHANT CHARGE OF $14.95. I TRIED TO EXPLAIN THIS TO CAPITAL ONE ON A LIVE CHAT AND SHE TOLD ME I WOULD BE REFUNDED THE MONEY, BUT YESTERDAY I GOT A LETTER IN THE MAIL STATING THAT EVERYTHING WAS TAKEN CARE OF BECAUSE I WAS GIVEN THE $14.95 BACK ON THE CREDIT CARD. CAPITAL ONE HAS COMPLETELY MISSED THE FACT THAT I AM OUT $14.95 IN MY CHECKING ACCOUNT BECAUSE I PAID THEM THE OUTSTANDING BALANCE ON MY CREDIT CARD.Desired Settlement: I WOULD LIKE THE $14.95 GIVEN BACK TO MY CHECING ACCOUNT THAT I ORIGINALLY PAID CAPITAL ONE TO PAY THE BALANCE ON MY CREDIT CARD.

Business

Response:

Our customer was concerned about the resolution of a recent merchant dispute. The account had been credited in the amount of the disputed transaction while we investigated the charge and, while our investigation was pending, our customer paid the balance of the account. Once the merchant dispute was resolved, a refund for the disputed charge was placed on the account by the merchant and our credit was removed. This resulted in a credit balance in the amount of the disputed charge. We advised our customer that a check had been issued on January 16th in this amount and our customer confirmed that he had received it on January 25th and had no further concerns.

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,

I ACCEPT THE OFFER, IN AS MUCH AS I DID RECEIVE A CHECK, HOWEVER THEY DID NOT ADVISE ME THAT A CHECK WAS ISSUED ON JANUARY 16TH. IF THEY HAD I WOULD NOT HAVE CONTACTED THE Revdex.com.

Review: On 09/07/2014, CAP ONE generated a hard inquiry on my credit report with Experian and TransUnion. Several calls and letters were sent to Capital One to provide me with further information to determine who gave them permission to review my credit report with Experian and TransUnion. All attempts have failed.My complaint concerns: OtherDesired Settlement: I will request to have Capital One removed the hard inquiry on my credit report on 09/07/2014 with Experian and Equifax.

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. Please allow me to share more information about this. We know your credit is important to you so we want to help you understand what we found. In my research, I found that the hard inquiry reporting on your credit profile which you are requesting to be removed is due to the application processed for the above account. The application was processed by internet on September 7, 2014, but not approved until September 17, 2014. For this reason, we are unable to send an update to modify your credit file. 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: Back in March 2009 , I called and advised Capital One that I would be deployed for several months at a time and that I would be limited to internet access. I gave provided them with the my address to send the statements. The first month 04/2009, I never received the statement to address that I provided for them and I reached out to customer support and they mailed out a statement immediately and had my payment posted immediately. She apologized for my inconvenience and stated that my account was up to date and nothing negative was showing. From April 2009, September 2009-November 2009. I did not receive the statement and advise the representative of this second, third, etc error and it was taken care of immediately. Once again, I was told that I was not responsible for any late fees since it was Capital One's fault that they did not mail my statement to the address provided since I was overseas. After coming back to the states in 2014, I thoroughly reviewed my credit report and saw that my Platinum MasterCard (which is now closed, acct #[redacted]xxxx) was sent to collections due to them never sending my statements to me. I filed a complaint with CFPB and Capital One came back saying they are not responsible. They took responsibility each time I had an issue with not receiving my statement. This account was sent to collections and the judge dismissed the case and ordered Capital One to remove the charge off status and reopen the account to good standing at a zero balance and for Midland to delete all collection account from all three credit bureaus. I have court documents showing that this account was dismissed in court and Midland has already removed their account from all three credit bureaus.Desired Settlement: I am a soldier protecting this country and Capital One cannot even hold themselves responsible for an account that was charged off, which should have never been charged off due to no fault of mine. I want Capital One to reopen my open for the opening date of 10/01/2008 with a zero balance and to remove charge off status all past due status from my account. I am a long time cardholder of Capital One and I would have to end my relationship because of their error. I still have the card #[redacted]xxxx in my possession so Capital One can just reopen the card (ending in 1650) for use. Also, I would like to have the card increased to match my highest credit limit of $10,000.

Business

Response:

Dear [redacted], I’m reaching out to you regarding your concerns to the Revdex.com (Revdex.com), about information we have reported to the Consumer Reporting Agencies (CRAs). We appreciate your feedback and I would like to provide more information about this. Your account charged off on February 23, 2010, and was sold to [redacted], on March 10, 2010. We made a business decision to send a request to the CRAs on November 9, 2015, asking them to delete our tradeline from your credit file. The reference number for this request is [redacted]. It may take up to 60 days for the CRAs to update their records. Please contact [redacted], at [redacted] if you have additional concerns about your account. Thank you for your service to our country! I noticed that you indicated you are a Servicemember. If you would like us to review your accounts for eligibility in our SCRA Program, please call us at 855-227-1645 (or 855-CAPONEMIL) and we can go through our program with you. We will need information about your military service to determine whether you are eligible for SCRA benefits, including a copy of the military orders showing the start date of your military service. One or more of the following documents are acceptable: ? Military orders that include an active duty start date and military branch ? A letter on military letterhead from an executive or commanding officer that includes an active duty start date and military branch; or ? Any other relevant military documentation You can fax or mail this information to: Fax: 1-866-516-4023 Mail: Capital One Attn: SCRA Request PO Box 30285 Salt Lake City, UT 84130-0285 The Servicemembers Civil Relief Act (SCRA) statute ensures that financial institutions do not take certain adverse actions on a Servicemember’s account as a result of having requested and/or having been provided with SCRA benefits. However, minimum monthly payments are still required on accounts enrolled in the SCRA program. Specifically, the SCRA does not protect a Servicemember from negative credit reporting in the event the Servicemember does not make payments or pays late. It also does not protect against charge off in the event the account remains delinquent for 180 days, and any subsequent sale of the account to another company. We have confirmed that we accurately reported your account to the Consumer Reporting Agencies as charged off on February 23, 2010, when we did not receive your minimum payment amount due by the date shown on your statements. However, as mentioned above, to resolve this complaint we submitted a request to the CRAs to have this account removed from your credit profile. You mentioned that in a recent legal action a judge ordered Capital One to take certain actions on your account. We are unable to locate any record of this legal action involving Capital One. Please send us the court documents so that we can further review these concerns. We respectfully decline your request to reactivate the account, because the charge off was valid. If you have additional questions or concerns, please call me at 800-955-1455. I am available to assist you from the hours of 9:30 a.m. to 6 p.m. PT, Monday through Friday. When contacting me, please be sure to have the following six digit phone PIN available: 973864. I am happy to help in any way that I can. Sincerely, [redacted], on behalf of Capital One

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Review: I have repeatedly asked Capital One to send statements regarding our Line of Credit account - dating back to early 2011 - and to date, I have not received any documentation. I spoke with them on March 12, 2013 and was promised that I would receive the document in 4-6 weeks - I'm still waiting. I called again today, October 21, 2013 - and once again, received the run-around. I now have to fax a request for payoff information and my statement request would be filed with the request department. I am completely fed up with Capital One's business practices and utter disregard for customers legitimate requests for information. I am going to attempt to fax them and request documentation dating back three (3) years.

Kindest Regards,

[redacted]Desired Settlement: All I ask is for documentation showing my payment history, interest rate and balance. I just want a statement!

Business

Response:

Dear [redacted],

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

In response to your request, we have updated your account so that you may once again receive statements. We have also arranged for an account history to be mailed to your address on file.

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

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. Capital One has already mailed a statement to me and emailed a payment history to me as I requested. I will consider my complaint resolved satisfactory - as long as I continue to receive current statements on my account. If the company does not perform as promised I can get back to you at: [redacted].

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Description: FINANCIAL SERVICES

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

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