Capital One Financial Corporation

Review: I have never used Capital One services. But they have created a huge problem for me.

I recently moved from Iowa City to Albany. I went to open a bank account and was informed that I have a lower credit score because Capital One has reported to the credit bureau that I owe them $128. The truth is that I don't have any dealings/accounts with Capital One. I tried calling Capital One to fix it, since my credit rating is lowered due to their report, in November 2014. I called 3 times.

Capital One says that they don't have me in their system. They want ME to get a credit report and send them my details.

I moved recently, the Credit bureaus will not give me my credit report. I have tried to file the request but they have denied it.

So now, I have a lower credit score becasue of Capital One reporting that I owe them money. But I have never previously had any accounts with Capital One. Though they have made a huge mistake, they won't correct it unless I send them my credit report. But I can't get a credit report since I moved recently. So basically I am stuck because of the poor work and wrong reporting done to the credit bureaus, by Capital One.

Can you please have Capital One take the responsibility to clear my name, since I have never owed them anything ever. And if I do owe them (which is impossible), they should have the decency of contacting me directly. They cannot harm citizens this way. They are trying to destroy lives. I have many students that I teach and will have to warn my students to be very vigilant of companies like Capital One, which can destroy them.

Thanks much,

[redacted], MD

Professor [redacted]My complaint concerns: OtherDesired Settlement: They must IMMEDIATELY call the credit bureau and withdraw their fake complaint. My life is at a standstill becasue of their wrong.

Thanks much, ar

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. We know your credit is important to you, and we’re glad to share more information about this. I'm sorry for any inconvenience or frustration this may have caused. We confirmed this account was opened on November 26, 2014, under your name. After a thorough investigation by our Fraud Department, we were unable to verify you applied for or used this account. We have sent a request to the CRAs, to delete the tradeline and the hard inquiry associated with this account from your credit profile. Please allow up to 60 days for the update to report on your credit files. As a confirmation of the request to delete the tradeline, the AUD number is [redacted]. Please keep this number for your records. If you haven’t already done so, you can contact the CRAs directly to review your options for placing a fraud alert on your credit report. To assist you, we have provided the following names, addresses, and phone numbers for the CRAs below: Experian Equifax TransUnion Innovis P.O. Box 9595 P.O. Box 740256 Corporation P.O. Box 1534 Allen, TX 75013 Atlanta, GA 30374 P.O. Box 2000 Columbus, OH 888-397-3742 800-685-1111 Chester, PA 19022 43216 www.experian.com www.equifax.com 800-888-4213 800-540-2505 www.transunion.com www.innovis.com I was unable to locate any record of your previous attempt to contact us about this matter. If you have additional questions or concerns, please give me a call at 866-280-0118, 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 number available: 858834. I am happy to help in any way that I can. Sincerely, [redacted] on behalf of Capital One

Consumer

Response:

Thank you.

Review: The account I have issue with ends in [redacted]. On Oct 16th I made a double payment on an other account ending in [redacted], a payment $25 and one for $30. I didn't realize it until the 18th. When I called Capital one the representative stated they did see the double payment and would apply the $30 to account ending [redacted] and reverse all fees. Ok now my bill this month my minimum is $55 so when I called the [redacted] or [redacted] first said it was fees since the adjustments was made after the 16th. I don't understand that since the representative stated all fees would be fixed. Then I was told by the representative the $55 payment request was due to the higher balanced owed even though when he did the calculations of interest by 1% of ending balance his calculation came up to less than $25.00 . When I told him I was still not understanding where the extra $30 is coming from he stated it was fees for the payment being adjusted after the 16th, I tried again to explain the representative said it would be reversed. I called back a second time and was told since I made a purchase on the 21 st this brought my minimum payment up and would need to pay the $55 so I would not have a late fee again. WHAT!!!!!!! But if I click on payments made it shows there is no history of a payment for October even though I was told it would be taken from the account I made a double payment ([redacted]) to [redacted]. I don't understand why if the rep said they would apply the payment and credit all fees I am still being told there is a late fee included in this months bill and at the same time being told the higher balance is because I made another purchase of $70 after the 18th. If they were to look in account ending [redacted] the $30 was never taken out. Sounds like no one can really tell me what is going on.Desired Settlement: For both of my accounts to be correct. A correct explanation as to why my monthly charge is $55 this month when it should be $25 like all my other Capital one cards.

Business

Response:

Our customer requested that we explain why her minimum payment is so high and lower it if we had made an error. I explained the way we calculate minimum payments and was going to lower her minimum payment as a courtesy to remove a past due fee but she had already made the payment.

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: Im being charged a annual fee for the last two years that I wasn't supposed to be charged I would like that credited back and my interest from the last year that we got lowered, and 3 late fees that I didn't get returnedComplaint concerns: a Credit CardDesired Settlement: I would like my credit card returned the two payments of $99 and also the interest from when it wasn't lowered and it was supposed to be with the 3 late payments that due to your system it didn't go threw

Business

Response:

I’m reaching out to you about the concern you sent to the RevDex.com regarding your Annual Percentage Rate (APR), Annual Membership

Fee (AMF), and Past Due fees. We would like to share some information with you.In our research, we have found no record of a request for a

lower APR. However, we are able to credit your account for the year to date

interest of $ 63.48, and two past due fees totaling $59.00. Your account has

been billed two past due fees this year, not three as stated in your complaint.

You will see these amounts as credits on your next billing statement. On June

1, 2015, I permanently removed the AMF from your current account terms.We received your online credit application on September 3,

2010. When you applied for your account you were approved for an introductory

non-variable APR of 0% until June 2011, after this time the APR would change to

a variable 19.8% APR. the APR has remained the same after the introductory

period ended. We reviewed your account and unfortunately, it’s not eligible for

a lower purchase APR at this time. We’re unable to offer you a lower interest rate

now, but we review accounts from time-to-time to see if they’re eligible for a

lower APR> if your account does become eligible, we’ll be happy to let you

know.The AMF was part of terms and conditions of the account as

outlined in the Card Member Agreement. I’ve [redacted] a copy of your Customer

Agreement with details everything about your account including the AMF. You

have been billed an AMF every year since the September billing cycle for the

amount of $39.00. For your review, I have [redacted] copies of statements showing

the date that we billed the AMF.Lastly, we have found no record of two $99.00 payments made

on this account. If you need further assistance regarding these payments please

contact me at the number below.If you have any additional questions please feel free to

call me at [redacted], Monday through Friday from 8 a.m. to 4:30 p.m. PT. I am

glad to help any way I can.Sincerely,[redacted]

Review: While I pay off a credit card, Capital One then contacts all 3 credit bureaus stating that I'm behind in payments even though the balance is zero.My complaint concerns: a Credit CardDesired Settlement: update all credit bureaus with the updated information

Business

Response:

Dear [redacted]

We are responding to your correspondence received by the Revdex.com regardingthe reporting of your account to the Consumer Reporting Agencies (CRAs).Our records show your account was reported 30 days past due for the month of July 2015. Weconfirmed payments were not received for June 2015 and July 2015. On June 22, 2015, a pastdue fee of $25.00 was billed to the account. On July 21, 2015, a $35.00 past due fee was alsobilled to the account. On August 10, 2015, your online payment of $122.00 was received,bringing your account current. This payment posted on your August 2015 billing statement.Your account was also reported 30 days past due for December 2015. We confirmed paymentswere not received for November 2015 and December 2015. On November 21, 2015, a past duefee of $25.00 was billed to the account. On December 21, 2015, a $35.00 past dye fee was alsobilled to the account. On December 29, 2015, your online payment of $716.61 was received,bringing your account current.The account was reported 30 days past due for the month of July 2015 and December 2015 tothe CRAs. We confirmed this information is correct and we are unable to delete the reporting.Additionally, I confirmed the account balance, as of the date of this letter, is $0.00.If you have any questions or concerns, please give me a call at [redacted], Monday throughFriday from 7 a.m. to 3:15 p.m. PT. When contacting me, please be sure to have the followingsix digit phone PIN available: [redacted]. I am happy to help in any way that I can.Sincerely,[redacted]

Review: Capital One does not protect against fraud protection and unauthorized charges that were made on my account while my Capital One 360 checking card was not in my possession (I lost my card.) The representative that was "helping" me might as well of called me a liar and refused to do anything about it. The safety of my account is not in their best interest and I will never put money into this account. I feel discriminated, belittled and taken advantage of. I wonder how many other people they do this too. Beware!Complaint concerns: a Banking Account (Checking)Desired Settlement: I would first and foremost like an apology from the representative that handled this claim and for the unauthorized charges to be reimbursed to my account, as I did not make these charges.

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 ending in [redacted]. We understand that you are upset that your recent debit card disputes were denied, and you would like an apology and reimbursement for those transactions. We value your feedback and hope to address your concerns. We reviewed your account and confirmed that on December 4, 2014, you filed a dispute on eight (8) debit card transactions that occurred on your 360 Checking account between September 30, 2014 and October 8, 2014, totaling $100.01. As explained in our email that was sent to you on February 27, 2015, our Card Fraud Team confirmed there were no errors regarding the transactions in question and the disputes were closed in the merchant’s favor. A number of factors are taken into consideration when reviewing a card dispute, including recent account activity, and how and where the purchases were made. Additionally, before, during, and after these transactions were debited from your account, you logged into online banking to access your checking account. At that time, you should have contacted us to report these transactions. We regret any inconvenience this matter has caused, but, in light of the above, we decline your request for a refund. While we understand this isn’t the outcome you were hoping for, our decision remains unchanged. 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]

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,

Very poor customer service.

Review: Hello,(for being a client for this long of time I did not ecspect this) on Feb. 10th. 2015 I call capital one at 800-955-7070 and spoke to operater she transfered me over to man called [redacted] witch I spoke to about my credit card ending in [redacted] having a late payment DEC. 2010 show up on credit report. told [redacted] about 2 years ago I talked to Capital One about this issue was told it would be fixed and cleared up. Well I see now it was not done. I told [redacted] the information and for he to clear it up like I was promised about 2 years ago. “The company stated it was illegal to delete the derogatory marks (late payments) on my account and according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act.” Because of their violation of the FCRA, and illegal statement I am requesting that they remove or delete the late payments on my Capital One credit card account.” I will be asking for monetary damages because they said they would delete it and now will not.Complaint concerns: a Credit CardDesired Settlement: For late payments take off as I was told about two years ago, monetary damages

Business

Response:

Dear [redacted], I’m following up with you about your Revdex.com complaint regarding your account and information reporting to the Consumer Reporting Agencies (CRAs), like [redacted] and [redacted]. I apologize for the frustration you may have experienced with this matter. As a courtesy, we credited your account $100.00 on February 19, 2015. This credit will appear on your February 2015 billing statement. You asked us to remove the late payment history for September 2010 and December 2010, because you were previously informed it would be removed. After a review of your account records, we were unable to find any notes pertaining to the removal of the above late payments. However, due to the information in your letter we have made the decision to remove the late payment history and we have updated this information on your credit profile. This information was communicated to the CRAs on February 18, 2015, audit number [redacted]. Please allow up to 60 days for the CRAs to reflect this information. If you have any questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 5 p.m. ET. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Review: I was behind on my car payment. I tried to do the hardship program the checks that I gave the lady that was handling my case I think her name was [redacted] maybe said that gross wise I didn't not meet the criteria. She said that I was not close enough to the $1,500. I was about $15 short. She would not look at anything else and would not work with me. I explained to her that lowering my payment I can do, but I can't do the $[redacted]. So then the took the car out of heart ship I paid $[redacted] so that I can have some more time to take care of the car from being repossessed. I talked to a nice gental man that told me to try again and that I should be able to get excepted for for $15 dollars short. That was on 1/23/2015. When my car is about to get taken they usually call about 8 times aday and leave about 4 voice mails aday. The week of the 26th of January they called all three days supposedly, but did not leave any voices mails, but would call 8 times a day. They said that they do not have to leave a voice mail and that if I seen a number call 8 times that I should have called it back. I then proceeded to say if someone called your phone and you didn't reconize the number you mean to tell me that you are going to go out of your way to call them back if there are not voice mails. I told them if they would have let a voice mail like they normally do any other time I would have called back.

They took my car and all I needed to give them was about 70 dollars from them coming to tow my car. Then no one ever told me my options that day they just told me that I needed to pay all the money up from. They never offered me any other options that day. So I went to get my car and I got it paid up to date and they told me becasue I was current that they could no longer help me. I asked to talk to a hire up manager to file a complaint got hung up on 3 times and never got to talk to a supervisor. So I am here. Now I am told that I am not longer able to be helped that I need to be behind to get help which is rediculous I was trying to get help and kept getting the run aroundl. I would like for someone to review my hardship application that I put in because I enough income wise but was told I didn't the checks where suppose to be gross which like I said was 15 dollars short.Complaint concerns: an Auto LoanDesired Settlement: I would like them to look at my hard ship and if I was able to make my payments maybe I would not be behind I lost my job and no one worked with me got it paid up to get my car out and they still will not work with me to lower my payment they tell me I have to be behind to gert help

Business

Response:

February 12, 2015Dear Ms. [redacted],I am writing you today regarding the situation you explained to the Revdex.com concerning your request for lower payments on your vehicle.After a thorough review of your situation, our records indicate there were numerousconversations with you regarding the delinquent status of your account. On December 30, 2014, we informed you that the account was 91 days past due and the vehicle could be repossessed. You failed to bring your account current despite numerous attempts made to reach you in the attempt to secure payment and prevent the repossession of your vehicle. It is not a requirement for associates to leave voice messages on these attempts to assist you with bringing your account current.Our records indicate you requested assistance with making payments on your account on December 30, 2014. We informed you in a telephone conversation on January 8, 2015, that the income you submitted was insufficient to qualify for this program. Werequested that you provide any additional income documents verifying additional earnings in order to be further considered for a modification, but to date we have not received any further documentation. Our records do not indicate that your gross monthly income was within $15 per month of the requirements for this program or that we advised you of such. Based on the paystubs submitted, your gross monthly income unfortunately fell well below the required monthly income threshold of $1,500 for this program. Should you be able to provide proof of additional income or your financial circumstances have changed since we last reviewed your situation, please contact our Customer Service Department at [redacted], so we can review your account for possible modification.Capital One is happy to know you have reinstated your account and are back in your vehicle, and we regret any inconvenience this matter may have caused you. If you have questions regarding this specific response, I can be reached at [redacted].Sincerely,[redacted]Office of the President, Financial ServicesCapital One Bank, N.A.

Review: On June 15 2013 I ordered business cards from [redacted]. I then called Capital One requesting the close my account because I did not wish to pay $59.00 for their membership fee. I spoke with various account reps: [redacted]. One of the reps told me if I paid the amount of $125.88 this would bring my account down to zero balance. They credited me for all the late charges and over charges etc while I have been disputing them.Today, I went to view my account and I have a balance of $67.55. I was told on July 26 2013 that if I made a payment of $125.88 this would bring my account to zero. Well, it hasnt and I still owe for more fees. They are insisting I pay the membership fee of $59.00 which I have specifically told them I do not want my privileges of their card but I still have to pay them or else my account will be delinquent. I would like for you to investigate this matter of over charging customers with their membership fees and then trying to steal more money from the consumer after they were told the balance to close the account.Desired Settlement: I would like my account to have a zero balance and it will be close per consumer requesting closing of account.

Business

Response:

We credited the balance to [redacted] on the customer's account.

Review: Ref Acct# [redacted] On March 12th, I got a credit report alert that negative information was posted to my credit report.

I logged in to see the details and noticed that it was for Capital One for a 30 day late.

This cause my score to drop a whopping 65 points! I was irate(still am)!

This is bad as we are to refinance our house in April.

Doing some due diligence, I have looked at what caused it.

I logged into my account as I have not had any communications with Capital One regarding a bill either via email or paper.

I then noticed that I had a balance on the account of $330.46. I thought that was a bit high.

I looked deeper into the previous statements and noticed two late fees:

02/04/2014: $25.00

03/04/2014: $35.00

I immediately paid the FULL balance of $330.46

I never gotten an email about statement nor a paper statement

Then I noticed that my account had a message, so I read it:

It was dated 01/18/2014 and the summary stated it could not send me an email, but nothing has changed, my email address is the same for 10+ years and nothing occurred to force blocking.

Once this occurred, why couldn't Capital One notify me via postal mail?

I then talked with the account team via chat and they said that I needed to file a credit report dispute.

Why do I need to do that when its truly an error on Capital One's part?

Here is the message I received:

Date:

January 18, 2014 04:38 PM

Subject:

Please confirm your contact point

Message:

Hello [redacted] We’ve been unable to deliver alerts that you requested to [redacted]. This message will explain how you can help us make sure you receive them.

Below you’ll find the most common causes for not receiving alerts and the fixes you can make for any that apply to you:

- Your e-mail address or phone number may be incorrect or invalid—please update or confirm your contact point (indicated by a “Failed” status) on the Alert Contact Points page.

- Your mailbox may be full—please delete old e-mails from your mailbox to free up space.

- Your e-mail filter may be blocking alerts sent from our e-mail addresses [redacted])—please add these addresses to your e-mail address book. This will confirm that you want to receive alerts from us.

We hope this information helps to resolve any issues and you begin receiving your alerts promptly.

Thanks for your help.

Regards,

Capital One Online Banking TeamDesired Settlement: I want the $60 in fees refunded to me

I want the 30 day late removed from my credit reports AND account history and Credit reports to reflect UPDATED BALANCE of ZERO.

Credit Limit Raised to $2500.00.

Business

Response:

Dear [redacted]

I’m reaching out to you about your complaint to the Revdex.com about the fees charged to the accounts and your request to

remove the 30 day delinquency reporting to the Credit Reporting Agencies on your Capital One account ending in[redacted].

We have sent an update to the consumer reporting agencies to delete the delinquency reporting in March 2014. For your reference, the control

number for this update is [redacted] It may take to 90 days to update their records. In the meantime this letter shall is proof that we are updating your

credit profile.

We've credited the past due fee of $** from February 2014 and the credit will appear on your March 2014 statement. The following credits have been applied to your account, and these credits should appear on your April 2014 billing statement:

Account Ending In Statement Date Type of Fee Credit Applied

4702 February 2014 Past Due $[redacted]

4702 March 2014 Past Due $[redacted]

6010 February 2014 Past Due $[redacted]

7067 January 2014 Past Due $[redacted]

7067 March 2014 Past Due $[redacted]

We’ve also reviewed your accounts and the email address on the accounts is [redacted] and our attempts to send alerts have failed. Please update your email address online.

We’ll need to speak with you in order to process your credit line increase requests. Please call me at [redacted] Monday through Friday from 9:30 a.m. to 6 p.m., PT I’m glad to help any way I can.

Sincerely,

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: A little bit over a year ago I fell behind on my capital one accounts. I had three accounts with capital one. One of which was from [redacted] bank. After some months these accounts were charge off. I call capital one on several occasions as explained that I would like to get on a different payment plan before the accounts went into collection but capital one was never willing to provide me with a better payment option even though I explain that I was going through a very difficult separation and I am now the single mother of 3 and I only have a small income that was not sufficient to cover all the bills. Anyway I was not able to meet my monthly payments and the account was charge off. Within a few months I was able to call capital one and was offer some settlement options on the accounts. I was told by the representative that offer the settlement option that once I paid the agreed to settlement amount on the accounts I should contact the office of the CEO by email and they will remove the trade lines from my three credit bureau files. I sent an email before payment and a representative from the CEO by the name of [redacted] called me and she told me she would do some research and it should not be a problem to remove the trade lines from the credit bureau. I never got any call back from [redacted]. I paid the settlement amount in full at once on all three accounts and I call Capital one on several occasions and I also wrote another email to CEO office and I have not gotten any response.Complaint concerns: a Credit CardDesired Settlement: I want capital one to delete the three trade lines from my credit report with the three credit bureaus. I was told by capital one represent that the trade lines will be deleted once I paid the settlement offer in full. I capital one to keep its promise and delete the three trade lines from the three credit bureau.

Business

Response:

Re: Accounts ending in [redacted], [redacted], and 1015 Capital One Case:[redacted] Revdex.com No: [redacted] Dear [redacted], Your complaint to the Revdex.com was forwarded to the attention of the Executive Office for response. Please allow me to address your concerns. We have reviewed your complaint regarding the reporting of these three accounts and found that on November 5, 2014, we provided a letter to you that details our position regarding the accounts in question. We feel that this response fully addresses your concerns, and we continue to uphold our position. We are reporting accurate information and are unable to change the reporting as a courtesy. For your review, we have enclosed a copy of our letter dated November 5, 2014. 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.

Review: I applied for an auto loan on November 5 2013. They received all of my information and congratulated me on receiving the loan they approved me for. They stated it would be for no less than $7500 to no more than $12000 at an 18.1% apr. The blank check was in the mail a few days later then I received it they said I could start shopping for my new car. So I did and found one the time of purchase the dealership stated I needed to put money down. I put down a total $1252 down at the dealership and made the check out for the remaining. The finance manager called capital one to verify and they stated everything was good to go. A few days later I get a call from the dealership stating the declined the check that they said it was not for the right amount. I then spoke to [redacted] at capital one where he then told me that I had to put down another 160and that I could only write out the check for 9707.50. I proceeded to go back to the dealership to put down an additional $172.00 to make the blank check from capital one an even $9700. About a week or two later I get a call from [redacted] stating they needed to speak with me about some paperwork he j ist received. Tried calling him back no answer. Then I receive this letter in the mail stating that they will not approve me for financing any longer. They knew my information before approving me and now that it was official and I was ready to make my first payment to them they denied me.Desired Settlement: I would like them to keep their word on getting me financed for my vehicle. It is my responsibility to make those payments on time everytime till my car is paid off.

Business

Response:

[redacted],

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

As I understand your concerns, you blank check application was recently approved, but the dealership informed you that we were unable to finance the selected vehicle at your proposed terms without a down payment. You then received a letter declining your loan request.

Upon receipt of your email, I contacted the Loan Originations Department to expedite your request. Please understand that the terms of your contract had to be further negotiated based on standard Loan to Value ("LTV") requirements. Our records indicate that we notified you of the LTV requirements both via telephone and in writing. The decline letter you received was sent because the blank check was originally submitted outside of these LTV guidelines. Ultimately, the blank check was submitted within guidelines, and our records indicate your loan funded on December 12, 2013.

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

Sincerely,

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: no knowledge of this consentDesired Settlement: I would like it removed from all 3 credit reports

Business

Response:

Dear Mr. [redacted], We have reviewed the situation you explained to the Revdex.com and want to address your concerns. In reviewing your concerns, we have confirmed that we received requests for financing from [redacted] and [redacted], who submitted applications on your behalf on May 31, 2014. When you are shopping for a vehicle, the dealership may submit your information to various financial institutions in an attempt to obtain and/or secure financing for you. The inquiries placed on your credit report were valid and we are unable to remove these inquiries. Should you have any additional questions regarding the applications submitted or the dealerships’ actions, please contact the dealership. We regret any inconvenience this matter may have caused you. If you have additional questions, I can be reached at (844) 846-0244. Sincerely, [redacted] Office of the President, Financial Services Capital One

Review: During these past two months, I've spoken to different phone operaters to reissue a new credit card due to me misplacing it. Was told five different times, that a new card was suppose to arrive in the mail, but unfortunately I have not received any card.My complaint concerns: a Credit CardDesired Settlement: Kindly asking for a replacement credit card to be sent to the address on-file and would like to add my daughter as an additional card holder. Her name is Ava Waddell. Same address and ssn ends in 8888 for security reasons.

Business

Response:

Dear [redacted], I’m reaching out to you about your concerns directed to the Revdex.com (Revdex.com) requesting a new card and to add an authorize user to the account. I have some information to share with you. I’m sorry for any frustration this may have caused. Our records show you filed a request with the Revdex.com on June 13, 2015, with concerns regarding your account. Our response letter dated July 31, 2015, stated that your account is permanently restricted as of March 19, 2015, due to payments received from a bank account you weren’t authorized to use, to pay your credit card bill. This letter also advised that we came to the business decision to credit the full balance on the account and to update the past due history on the account. For your review, I have enclosed a copy of this letter. Due to the permanent restriction, we are unable to add an authorize user or mail a new card to you as the account is no longer active. After review of the account, we confirmed you’ve spoke with our customer service representatives. Unfortunately, we don’t have access to the recorded calls as we record calls for training opportunity and may not have all calls available. If you have any questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 4:30 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN number available: [redacted]. 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 [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: Capital One will not, despite repeated demands, cease mailing pre-approved credit card applications via[redacted]. This is an extremely dangerous practice - one of the leading causes of identity theft. NOW I found out that Capital One has made a credit inquiry to[redacted]. I did not authorize this. I have no connection with Capital One. I want no connection with Capital One.

Capital One seem to believe that they are not required to honor the permanent opt-out of unsolicited credit card applications which I filed years ago and re-filed today. I see no difference between Capital One's advertising practices and crooked telephone solicitors who willingly and repeatedly violate the National Do Not Call registry except that the postal mailing of credit card applications is more dangerous.Complaint concerns: OtherDesired Settlement: Behave ethically, just to try something new and different. Pay attention to opt-out forms filed with [redacted] and other such agencies.

Business

Response:

Dear [redacted],I’m reaching out to you about your complaint to the Revdex.com, about receiving our offers by mail. We take your concerns seriously, and I’d like share more information about this. I have removed your mailing address of: [redacted], from our pre-approved prescreening mailing list. However, you may need to do this for any variation in the spelling of your name or mailing address. Please allow 30 days from the date of this letter for all mail correspondence from us to stop. This means you’ll no longer receive pre-approved or marketing solicitation mailings from us. I am sorry for any frustration our mailings have caused. You also let us know that you had previously requested to opt out of our pre-approved prescreening list. Our records show no prior requests made with us before your complaint with the Revdex.com dated November 16, 2014. I can also remove your telephone number and/or email address from our prescreening list as well but the information was not included in your complaint.In your complaint, you also mentioned that there was an inquiry from us reporting with one of the [redacted] ([redacted]. Our Credit Bureau Disputes Department is unable to view the public records section of your credit profile which is where credit inquiries appear. We can contact the [redacted] on your behalf, but we will need the exact date, month, and year of the inquiry with[redacted].Please call me with the additional information so that I can remove your phone number, email, and inquiry for you. I can be reached at [redacted], Monday through Friday 8:30 a.m. to 5 p.m. PT. I’m glad to help in any way I can.Sincerely,[redacted]

Review: I have a credit card with Capital One. I am currently an [redacted] and am stationed in[redacted]. I tried for two days to make my payment on the [redacted] site with no success. I was finally able to get it to process through 15 minutes after the 5pm (United States time) cutoff. I contact customer service immediately via the message center on my account (it is difficult to make calls due to our shift schedules and the only phones we have access to are government lines). I was told by capital one that I was still being charged the $35 late fee. I have contacted them before due to the time difference and thought this would be changed on my account. However, this time it was a malfunction on the company's website. I was still told I was being charged the late fee and that I should have called (once again, almost an impossibility due to my job and location). I got this card because I had heard good things about Capital One, but they have proved themselves to be unkind and seeking to take advantage of service members out of the country.Desired Settlement: I would like the late fee to be reversed.

Business

Response:

Dear [redacted]

Your complaint to the Revdex.com was forwarded to the attention of the Executive

Office for response. Please allow me to address your concerns.

We have issued a credit for the Past Due Fee billed on October 2, 2014. This credit of $35.00

will appear on the next 1-2 billing statements.

Please know that we are unable to adjust the payment cutoff time for payments. It is 5 p.m. ET

for all customers, regardless of where they are when making a payment. However, our

customers do have the ability to sign up for automatic payments online. There are several

options for automatic payments, including the minimum payment due. The minimum payment

due option would ensure the account is paid on time each month, and you would still be able to

make additional payments above the minimum amount, if you chose to. Please contact me if

you would like more information about our automatic payment program.

Additionally, we have found that this account is eligible for enrollment for Servicemember Civil

Relief Act (SCRA) benefits. You will receive additional information from our SCRA Department

under separate cover regarding details and benefits the SCRA program has for the account.

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.

Review: I had placed an order with a company called [redacted] through capital ones credit card. The product was not what they described and I was not happy. Capital one assured me they would take care of the problem and I disputed it. They refunded the money and did research. They made me return the product to the company with a delivery confirmation and assured that would be all they needed and I was not going to have any problems. Then the credit was denied and put back on my credit card three months later. I then once again contacted Capital one and they stated I had to fill out dispute forms, that I called for every single day non stop. I talked to agent after agent trying tog et this form because they said I had 30 days. They said don't worry you will get the form. They said they faxed it never got it. They said they mailed it, never got it. Then after 30 days they told me tough luck you didn't send in the form and we cant help you. I NEVER EVER EVER GOT THE FORM, and if they pull the phone records (unless they hide or delete them), I can probably get phone records showing I called if need be. I didn't get this form not because I didn't want to but because they never sent it and I continually contacted them. I had sent the product back by their request. I paid for a product I didn't like and don't have and had to pay to send it backDesired Settlement: I would like the money back for the product I don't have. The company can deal with the other company on their own time at this point.

Business

Response:

We were able to credit the disputed charge back to the customer's account.

Review: I have a capital one cc. I had an ongoing dispute with [redacted] network about a early termination fee. Started service with [redacted] in Oct 2014 and cancelled in Jan 2015. I was on auto pay with [redacted] with a [redacted] card from chase. March 5th had a charge on my capital one card from [redacted] network of 317.47. Called Cap one and disputed the charge. Cap one took the charge off and and [redacted] had 45 days to reply and reissue charge which they did. [redacted] provided paperwork but did not provide a payment history. They just provided the March 5th charge. I sent by email to Cap One my bank statement on the payment history that [redacted] was taking out payments from my [redacted]. Cap one decided to close the account stating that they needed a bank statement from me on when I payed this charge from [redacted]. I've been disputed [redacted] because they never sent me a bill for the remainding balance due for equipment fee. Called them several times no reponse. [redacted] claims I gave them my Cap one card for payment and this is not the case and I did not authorize them to use this card. I don't know how they ever got this card number. Cap one representative states that merchants can find these cards and then charge them If you go back to the phone call recording on April 7th 2015 you will see what she says. I don't know why Cap one states that I have to pay this charge and show with bank statement proof before they will consider taking this charge off my Cap One Card. This is fraud I and my husband told Cap One Rep and theft. This means that my credit card from Cap One is not secure and anyone can get it and charge what they want and when I go to dispute the charge Cap One will give an explanation that merchants can do this. So really there is no fraud protection for the consumer by Cap One. I am so dissapointed with Capital One and will not be using their services in the future.Complaint concerns: a Credit CardDesired Settlement: I don't expect an outcome from this when your dealing with a big corporation. The little guy always gets screwed.

Business

Response:

[redacted]I’m reaching out to you about your complaint to Revdex.com (Revdex.com) regarding adisputed charge. Thank you for your patience while we resolved this. Please let me share someinformation with you.We’ve exchanged several phone calls and letters with you about a transaction for $317.47 thatwas billed to your account by [redacted] on March 2, 2015. On March 5,2015, the charge was placed in dispute and charged back to the merchant. On March 13, 2015,we received a response from the merchant which included a copy of a signed contract advisingif the service is disconnected prior to the end of your term commitment; an Early TerminationFee would be charged. The contract also advised the fee would be billed to your account oryour Qualifying Card at their option. [redacted] confirmed that this card was provided at the time ofactivation of the service. I’ve enclosed a copy of the contract for your review.Kindly note, Capital One complies with applicable state and federal regulations in the handlingof disputes. We are required to investigate disputes asserted by our cardmembers within theestablished guidelines as determined by applicable laws and guidelines. These guidelinesensure uniform processing throughout the industry with procedures that are fair to both thecardmember and the merchant. The outcome of a dispute depends on the facts of the case;therefore, the result of an investigation is not always resolved in the cardmember’s favor.Upon further review of the case and to bring this matter to a close, I’ve issued a credit of$317.47 to your account for the disputed charge. You’ll see this credit on your April 2015statement.I want to assure you we have very strict privacy policies and do not share account informationwith outside merchants. We apologize for any misunderstanding that may have occurred whenyou were speaking with our agents regarding this matter.If you have additional questions, please call me at [redacted], Monday through Friday from6:45 a.m. to 3:15 p.m. PT. I am glad to help any way I can.Sincerely,[redacted]

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: We had multiple fraud issues on our corporate credit card on 11/4/14 for a total of $618.42. Capital One then worked with [redacted] (the vendor used in the fraudulent activity) and they issued two credits back for a total of $284.58. As a result of this, Capital One then issued purchase adjustments for the difference of $333.84. These credits/adjustments all came through within the next 2 business days and by 11/6 - the net impact of the fraud was $0.

However, on 12/15 we were charged $142.29 and received a letter from Capital One saying that they had made an error in issuing too much of a credit to our account. From the simple math above, you can see this is not the case.

I have reached out to [redacted] at 1-800-215-1921 ext. [redacted] multiple times and have not heard back. He is the one who sent the letter and authorized the reversal of the credit.Desired Settlement: I want this $142.29 from 12/15 reversed as it is fraud-related.

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com Case: [redacted] Dear [redacted], I’m following up with your regarding your Revdex.com complaint about your concerns with fraudulent transactions made to your account. Our records show on November 4, 2014, you identified fraudulent transactions from [redacted] for a total of $618.42. The merchant credited back $284.58 on November 5, 2014, and Capital One credited the difference of $333.84 on November 6, 2014, pending an investigation. The merchant presented a claim that they issued credits for the additional transactions of $284.58, and on December 15, 2014, and January 24, 2015, we removed our credits and reapplied the amount to your balance. However, on February 9, 2015, because the merchant did not issue the credits as advised we credited your account for the [redacted] transactions totaling $284.58. We also credited an overlimit fee of $39.00. These credits will appear on your February 2015 billing statement. If you have additional questions, please call me at 800-955-1455. I am available Monday through Friday, from 8 a.m. to 5 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 [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,