Capital One Financial Corporation

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: 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 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: 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: 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 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: 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: 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,

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 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: 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

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: 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 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 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 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: 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

Very poor customer service.

Review: I made a large payment on my account in the amount of $573.06 on October 3rd, 2013 via the Capital One website. The funds cleared my bank account on October 4th. When I checked my online access on October 6th, it still said I had no credit available and it still required me to make a $25.00 payment for the month of October. The first representative said that they put a hold on my account and that it would be removed by the 10th. After I explained that a hold has never been put on my account, she was kind enough to release the funds since I told her the money has already cleared my account. When I asked about my next $25.00 payment being due, she said that I still had to pay it. I asked for a supervisor and she connected me to [redacted]. [redacted] tone was very harsh when she spoke to me. I explained to her that I shouldn't have to make another payment on October 28th. Her response was although I made a payment on October 3rd, it doesn't count. She then made a smart comment saying "next time you should make your payment on the 4th so you won't have to go through this again." I told her that I'm affected by the government shutdown and wanted to be proactive and make a payment while I could and she seemed un-phased about it. When I told her that I won't be making a payment on the 28th, she said that it's my perogative and that I would get hit with a late fee. I then asked her who her supervisor was and she wouldn't tell me. The only thing she said was that I could write a letter to the corporate office.Desired Settlement: I don't expect a refund because it's my responsibility to make payments on time. If my payment is due the 28th of each month and I make a payment on the 3rd of each month, then whatever amount I pay on the 3rd should be credited. Therefore, I should not be required to make another payment in October. In addition, I am owed an apology because of the way I was treated by management. No one from Capital One even noticed the fact that I made a large payment of $573.06. After this experience I'm starting to regret being a part of the Capital One family.

Business

Response:

I spoke with the customer today (10/08/2013) and addressed her concerns, I also issued a credit in the amount of $[redacted]. Customer satisfaction satisfied.

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].