Capital One Financial Corporation

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: 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 reported me delinquent to all major credit bureaus based upon fraudulent charges. After contacting them they were willing to credit back to me all charges. It appears that in the 10 months that have passed that they have not actively notified and absolved my record (as promised) with said credit bureaus. The crux of the issue is that on this date 8/11/2013 capital one's online systems were down. When I called the tollfree number I was told that NO ONE could tell me my current balance. "It was a collections issue". I tried at length to find out my current balance and the last communication with the credit bureaus and was told I could not be helped. Most importantly I tried to cancel my account and was told that I could not be helped. There is a recording of this call. I suggest it be listened too. I desperately wish to cancel my capital one card. but they refuse to oblige. this is a travesty. this is fraud. this is grounds for criminal action.Desired Settlement: I need assurance that Capital One has contacted all major credit bureaus and absolved my name. If not I want the account canceled. either way no one could help at this hour which is unacceptable. On the grounds the Capital One has far less that 24/7 support I need this account canceled any and all credit implications (my longest standing account in my credit history) absolved[redacted]

Business

Response:

[redacted]

[redacted]

Dear [redacted]:

I'm reaching out to you about your complaint to the Revdex.com regarding your concerns on your account. We would like to try to help you with this.

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

* Your name

* Your current address

* The last 10 digits of your account number

* The last four digits of your Social Security Number

* Your date of birth

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

Once I receive this information from you, I can check into this. If you have additional questions, please call me at [redacted], Monday through Friday from 11:30 a.m. to 8 p.m., **. I'm glad to help any way I can.

Sincerely,

Office of Executive Resolutions

Capital One

cc. The Revdex.com, case # [redacted]

Review: I had frued on my account back in November 2011 I report to them

this still have not fixed my account and charged me off and want me to pay.Desired Settlement: Capital One has given me half answers too everything

Business

Response:

Dear [redacted]:

I'm reaching out to your about your complaint to the [redacted], Capital One CEO. We would like to try to help you with this.

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

Your name

Your current address

The last 10 digits of your account number

Your date of birth

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

If you have additional questions, please call me *-[redacted], Monday through Friday from [redacted] to [redacted], PT. I'm glad to help any way I can.

Sincerely,

Capital One

Review: On 8-13-2013 there was Unauthorized Activity on my account and 5000.00 dollars was pulled from a checking account into this account. I reported it to the company and asked that the money be transferred back to the account that it came from and the Sharebuilder account be closed to prevent any other Unauthorized Activity since this isn't the first time that this has happened with this account. Since the first call to the company they froze the account and will not return the money till after they have completed an investigation and have requested me to send in several forms to them that I have requested them to send to me several times over the course for 2 weeks. During the call on Sept 3rd I was told they would send me the papers they needed filled out for which they didn't send out till I called again on the 6th of Sept. I have been told that they would not refund my money till after they have completed the investigation which could take as long as 60 days after I return all the forms that they took several days to E-mail. I feel this is unacceptable time frame for returning the money back to were it came fromDesired Settlement: DesiredSettlementID: Refund

I would just like my money returned to the account that it was taken from at the earliest possible time. They can perform there investigation without having to hold on to my money.

Business

Response:

September

27, 2013

In

response to Revdex.com Complaint [redacted]

I

am writing in response to the above referenced complaint submitted to the

Revdex.com (“Revdex.com”) and received by Capital One ShareBuilder, Inc.

(“ShareBuilder”) on September 17, 2013.

In this complaint [redacted] expressed concerns regarding the

transfer of funds back to his checking account after he alleged that the

initial deposit into his ShareBuilder account was due to unauthorized

activity.

As

you may know, ShareBuilder is an exclusively online and customer directed

brokerage service. Therefore, because we do not have face to face contact with

our customers, as a safeguard we do everything we can to ensure our customers’

funds are protected and not misused.

We

became concerned after reviewing the transactions taking place in [redacted]

[redacted] account on 8/13/13. We immediately tried to contact [redacted]

both via phone call and email and left messages asking him to contact us

regarding his account. As interactions

suggested that not all were with [redacted], we took careful precautions to

ensure that instructions we acted on were, indeed, from [redacted]. [redacted] called our customer service

representatives on 8/27/13 and told us that there was an unauthorized transfer

into an account that he did not open and that he attempted to withdraw funds

and was unable to. We notified [redacted]

[redacted] that we placed a security hold on that account and would need an

affidavit of unauthorized activity and a police report to remove the security

hold on that account. During a phone call with a customer service

representative on 9/3/13 we informed [redacted] that we would conduct an

investigation which could take up to 60 days, reminded him that we needed the

proper documentation to remove the security hold on his account and, following

his request, emailed him an affidavit of unauthorized activity with

instructions. We received a fax from

[redacted] on 9/17/13 that included a completed affidavit of unauthorized

activity and a police report; we disbursed [redacted] funds on 9/19/13

per his instructions.

We

trust that the above explanations have clarified the events surrounding [redacted]

[redacted] concerns.

Review: I have contacted Capital One around 15 times for this issue. I requested that my interest rate be lowered and a representative said it would be lowered for me. They have not lowered the rate and this request was submitted months ago.I have asked for a reason that it was not lowered and every time I call no one can help me. I spend an hour being transferred to different departments and eventually someone says they will call back with an answer. However they never call back.Desired Settlement: I request that Capital One Lower my interest rate like they promised and contact me back like thy promised as well.

Business

Response:

The customer was advised why her interest rate was so high and was also informed that she can apply for a third party debt management program if she would like, as the request will be approved.

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.

Than you for your response. I have applied for a third party debt management program through money management international. I have been going back and forth with Capital one since June. I have had money management fax over and mail over the paper work for the debt management plan around ten times. I have also been on three way with both companies. Capital one is now saying that they are unable to accept the fax for some reason , and gave me a third party to deal with which also is not accepting the program . At this point I have spoken to Capital One on more occasions than I can count , and nothing is being resolved. I am just disappointed that I am accruing over $50 in interest monthly when they promised to resolve the situation in June. To verify that I have done all my part in this matter you can speak with [redacted] at Capital One corporate office[redacted]. I can also submit any documentation to you that you may need if you can provide me with information on how to do so.

Regards,

Business

Response:

I called the customer and we discussed her concerns with the 3dmp and new proposal that is required in order to assist with a possible lower interest rate on the account. I advised that she needs to contact the 3pdm company and advise them that we need a new proposal and upon calling the 3pdm to inquire of the date they will be sending the proposal and call our 3pdm department to advise of this date. I provided the email, fax and phone number for our 3dmp department. The customer explained she would be doing so and would follow up if she required any additional assistance. I advised her to contact me as well if she required any further assistance and provided my direct contact infomration. The customer satisfaction was inconclusive.

Review: I had apply for a [redacted] years ago with [redacted], with no annual fee and a low APR. If a credit card has fees I refuse to get it. Earlier this year I received a new card in the mail for [redacted]. I called the number on the back of the card because I never applied for an [redacted] card. I was told that [redacted] which is affiliates with [redacted] had brought over all of [redacted] credit card. I asked the representative if everything will stay the same and she said yes. About two months ago I received a card from Capitalone again that I did not apply for. I called the contact number on the back and the card was a replacement for the [redacted] card. So [redacted] had sold they card to Capital one. Now I look on my statements and I have been assess a $59 annual fee. I have excellent credit and I do not pay fees on my credit cards with credit limits of 15K, why would I want to have a card with a fee. I was told by customer service that [redacted] sold them the card like that. Why would I start off with a no fee card to then want to pay $59? I never received any letters in the mail that this card was changing until I received them in the mail and I did not know that I would be charged a fee.Desired Settlement: I want my fee back and I would that card replaced with a no annual fee card with a low APR just how I had started out with [redacted].

Business

Response:

Our customer is concerned about the terms of her account and its acquisition from another lender. She feels that [redacted] acquired the account from another lender, which originated with no annual fee and a lower interest rate. We reviewed the account and determined it originated through a [redacted] store and was originally financed through [redacted]. The account terms reflected a $[redacted] Annual Membership Fee was included and that the interest rates have remained the same since it was opened. The membership fee has been billed during the November 2011, November 2012, and November 2013 billing periods. We contacted our customer by telephone and advised her of our findings regarding the account. We agreed to remove the membership fee from the account terms and also credited $[redacted] membership fee as a customer courtesy. We explained that there are currently no reduced interest rate offers that may be extended at this time and our customer responded this was not a major issue.

Review: My account was charged 497 after my replacement card was lost in the mail. I reported this fake charge and my account has been locked in limbo for weeks.Desired Settlement: I want this charge refunded and I want access to my account back.

Business

Response:

We previously responded to this customer, who had filed the same complaint with the [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,

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: 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: Absolutely terrible. Capital One screwed up, lied to me and tried to blame it on my financial institution. I have an auto loan through Capital One and am enrolled in DirectPay to debit a sum of money out of my separate bank account weekly. On November 3rd, Capital One took out my weekly payment and ceased all following debits. 2 months later, they slap me with a late fee, accrued payments and only 3 DAYS to spare before reporting me to the Credit Bureau. There was no authorization on my part whatsoever to cease my weekly payments, and there was absolutely no communication for 60 whole days that they had been stopped. Capital One claimed that they tried to withdraw the money, but my financial institution ceased the withdrawals due to insufficient funds, in order to keep from charging me an overdraft fee. This is impossible, because there are plenty sufficient funds in my account, and no such activity showed up on my bank statements. For whatever reason, Capital One screwed up their Direct Pay, didn't admit to it, wrongfully blamed my bank and punished me with late fees, accrued debt and almost completely screwed me over by reporting all this to the Credit Bureau. Infuriating. Even the supervisors at Capital One couldn't give me any credit or reason to stay, so I'm in the process of transfering my balance to a credit union. I will also discontinued my Capital One merchant service account and plan to transfer my Capital One credit card balance to a different institution as soon as possible. Capital One had me as a customer of 3 different businesses under their umbrella and have now lost me forever.

Product_Or_Service: Auto Financing

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I would like to be excused of the two months payment and interest accrued for December 2014 and January 2015. I would have paid exactly $800.08 had my payments continued as scheduled and as the DirectPay system has failed those payments, I don't see any reason why I am responsible for making up for that interest and paying this large sum of money all at once. I debit weekly so that I don't have to worry about these things. Your system failed me, now fix it.

Business

Response:

Revdex.com – [redacted] – Ms. [redacted] January 15, 2015 Dear Ms . [redacted], I am writing you today regarding the situation you explained to the Revdex.com concerning your Capital One DirectPay issue. I called you yesterday in an effort to address this matter, but was unable to reach you. We sincerely apologize for the inconvenience and frustration you have experienced in your efforts to resolve this issue. After a thorough review of your account, Capital One has identified a system error that inadvertently turned off your DirectPay, causing your payments to stop drafting. Capital One attempted to contact you on November 25, 2014, and again on December 1, 2014, to notify you of this system error and take corrective action, but we were unable to reach you. I have attached the correspondence that was sent to you on January 12, 2015, addressing this error and apologizing for the inconvenience it caused. When you called Capital One on January 6, 2015, we regret that you were provided inaccurate information by a Capital One associate as to why the DirectPay had not been drafted from your account. We verified that to date there has been no negative credit reporting or late fees assessed due to this error. To rectify this situation, Capital One is willing to back date the payment made on January 6, 2015, in order to reverse the accrued interest, and we may be able to do so with one additional payment in order to eliminate any additional interest that has accrued due to this error. In order to complete this resolution, we need to speak with you as soon as possible to make arrangements for you to pay the $359.38 which is currently outstanding on your account. While we regret the inconvenience caused by this error, you are obligated under the terms of your contract to make regular payments, and thus we decline your request for compensation in this matter. Please call me when you receive this letter at [redacted], so that we can make payment arrangements and reschedule your DirectPay on your account. Again, we regret any inconvenience this matter may have caused you and assure you that we are committed to providing excellent customer service. Sincerely, [redacted]

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: Incessant, borderline on abusive and harassing mailing and advertising practices. I have emailed Capital One customer support, I have reached out to Capital One twice via social media ([redacted]), I have marked every single letter as "Return To Sender" and even paid additional postage and proceeded to do this until my postman refused to deliver these letters any longer. The fact that a company is so awful and incessant at marketing that there are people in the world who feel they are being abused and harassed by Capital One, so much so that they must file a complaint with the Revdex.com says a lot.My complaint concerns: OtherDesired Settlement: For Capital One to NEVER ever contact me again, permanently. Not "remove yourself from our mailing list for 5 years" I wished to be removed from their mailing list PERMANENTLY for the remainder of my entire lifespan, 100+ years.

Business

Response:

Dear [redacted], This letter is in follow-up to your concerns with the Revdex.com (Revdex.com) about solicitations that you are receiving. I’m sorry for any inconvenience this may have caused you. As of September 3, 2015, we have removed your name and address from our solicitation database. However, you may need to do this for any variation in the spelling of your name or address. Please allow 30 days from the date of this letter for all mail from us to stop. This means you’ll no longer receive any offers from us. In your submission to the Revdex.com you stated that you emailed customer support and reached out through social media, but we do not show that you previously contacted us to be removed from our solicitation database. Pre-screened credit card offers are compiled from information obtained from the Consumer Reporting Agencies (CRAs). When you opt out of pre-screened offers, your credit profile information will no longer be reviewed for a potential credit card application. Pre-screened credit card offers are compiled from information obtained from the CRAs. If you do not want to receive prescreened offers of credit from this and other companies, call the CRAs toll-free, 888-5-OPT-OUT (888-567-8688); or write them individually at: Experian Equifax TransUnion Innovis P.O. Box 9595 P.O. Box 740256 P.O. Box 2000 P.O. Box 1534 Allen, TX 75013 Atlanta, GA 30374 Chester, PA 19022 Columbus, OH 43216 888-397-3742 800-685-1111 800-888-4213 800-540-2505 www.experian.com www.equifax.com www.transunion.com www.innovis.com If you have additional questions or concerns, please give me a call at 800-955-1455, 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 available: 858834. I’m glad to help any way I can. Sincerely, [redacted], On Behalf of Capital One

Review: I Have a unsecured credit card, and I applied for an increase and I have made more than required payments and was denied ever single time, for the month of September I made over $400.00 In payments. Yesterday I applied again and again I was denied, this time the letter stated that I had a return payment. On my last payment of 130 the bank returned it because I tried to pay through my savings which I didn't know so I moved my money to my checking and made a $139 payment. First of all,this was not a required payment I had paid that plus more. I called CO and they informed me I needed to wait 2-3 month for this to clear up in their system. I don't think that is fair. I know I have provided my credit worthiness and I should be issued an increase.My complaint concerns: a Credit CardDesired Settlement: I earned an increase to my credit limit.

Business

Response:

Dear [redacted], I’m reaching out to you regarding your concerns directed to the Revdex.com (Revdex.com) regarding a credit limit increase. I have some information to share with you. Thank you for speaking with me on October 2, 2015, I was able to submit your request for a credit limit increase. Congratulations! I have confirmed that the credit limit for your account has been increased to $700.00. This increase is effective as of October 5, 2015. I would also like to apologize for any frustration you may have experienced when requesting a credit limit increase. I have applied a $50.00 credit to your account. The credit will appear on your October 2015 statement. In your letter you mention you received a declined letter stating that you had a return payment. A review of your account has confirmed that it was handled correctly and Capital One may look at a variety of factors as far as on-time payment history, average monthly payment amount, credit bureau information, and credit score. This information and more about credit limit increases can be found at www.capitalone.com/creditlineFAQ. If you have questions or concerns, please give me a call at 800-955-1455, 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 available: 973864. I am happy to help in any way that I can. Sincerely, [redacted], on behalf of Capital One

Review: The issue started when I was contacted by a company to do purchasing for them. They had me make purchases and I was immediately reimbursed. They had given me an account to get my money back and put on my credit card for the amount I had spent. Everything was fine until the end when I found out they were denying payment to me. I attempted to contact them and got no answer. The job I was offered ended up scamming me out of $12,500. I have attempted to talk with the card company and am told they cannot do anything about it. As this is a fraud I disagree with their answer. I am also told now they want $325 monthly and I cannot use my card. They also have put information on my credit report reducing my score by almost 100 points.My complaint concerns: a Credit CardDesired Settlement: I would like the amount of the fraud/scam removed from my account as I have always paid my bill on time. I also want the credit score corrected. I should not be responsible for fraud/scam.

Business

Response:

Dear [redacted] I’m reaching out to you about the concern you sent to the Revdex.com (Revdex.com) regarding fraudulent charges on your account, and also over the information we’ve reported to the Consumer Reporting Agencies (CRAs), like Equifax and Experian. We would like to share some information with you. We understand that this may be a frustrating time for you. After careful review, Capital one has determined that these transactions are not fraudulent since you have acknowledged that you made purchases for Better Warehouse Operations (BWO).At this time, Capital One is upholding the restriction on your account until you are able to bring the account’s balance back under the credit limit. As of November 13, 2015, we have confirmed that we are not reporting any delinquencies about this account. If you have additional concerns regarding how the account is reporting, you may contact the CRAs directly. We have provided the following names, mail, email 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 On September 25, 2015, you spoke with one of our agents from the Fraud Department about charges from [redacted]. Capital One filed a lost and stolen report to create a new account number for you, and we credited the charges of $9.00, $34.95, and $147.00 onto your account. On September 28, 2015, the merchant issued credits for the transactions. As such, the credits issued by Capital One were rebilled onto your account. For your records, we have attached a copy of the letter advising you of these actions taken on your account. If you have any questions or concerns, please give me a call at 800-955-1455 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 available: 973864. I am happy to help in any way that I can. Sincerely, [redacted], on behalf of Capital One

Consumer

Response:

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

They are not telling the whole truth about the reporting of the information. They have already reported that the credit limit was exceeded. Their response states they are not reporting to the credit agencies. Also as this was a scam by a company on me they should have investigated more than a couple days. They also stated I told one of their representatives that I had purchased all the materials that were charged

to my card and this is false as I have never told any of the representatives that this was done by me solely.

Regards,

Review: I put both of my Capital One credit cards into my debt consolidation (in which they accepted this) and they are still reporting my cards as open on my credit reports and reporting me late every month. None of my other cards are doing this. They reported my cards as closed and have me reported on time. I fell into hard times, and needed to do this debt consolidation. I have NEVER paid any of my cards late and now, this is putting a negative on my credit report when I am already getting a hit on my cbr from doing my debt consolidation. I contacted capital one, and did a live chat with a David M[redacted] (I think his name was) and he stated my cards were never requested to be closed, so I advised him to close them, he refused stating I needed to contact my debt consolidation place before they could close them? I also advised him that they are reporting me late every month on my credit report when they are receiving the payments as agreed upon, and again, he stated I needed to contact my debt consolidation place. I advised him that they would have nothing to do with reporting to the credit bureau for Capital One. Capital one is refusing to close both of my credit cards and refusing to update my credit report that I am NOT late since they are receiving my payments monthly. I made a dispute thru transunion, and it was resolved with capital one not making any changes.My complaint concerns: a Credit CardDesired Settlement: I would like both of my credit cards closed and and ALL of my credit reports updated that they are closed and I have not been late on my payments. They so far, have 3 months showing late on my reports.

Business

Response:

Dear [redacted]I’m following up with you about your concerns submitted to the Revdex.com (Revdex.com)regarding the information we’ve reported about your account to the Consumer ReportingAgencies (CRAs), like [redacted] and [redacted]. We apologize for any frustration you may haveexperienced, please allow me to share my findings with you.On December 29, 2015, we submitted a request to the CRAs to reflect your accounts as closedby consumer with a balance. The control numbers for the submissions are AUD [redacted] foraccount number ending in 9595 and AUD [redacted] for account number ending in [redacted]. Pleaseallow the CRAs up to 60 days to update their records.As I have confirmed that we are correctly reporting both accounts as past due for September2015, October 2015, and November 2015, at this time, we are unable to make any correctionsto the past due portion of your credit report. We do not report the fact that you are on theWorkout Program to the CRAs. I have enclosed a copy of our acceptance letter for the programfor your review. Even though we can’t change what we reported, we did request that the CRAsplace a dispute code on your credit file, to show that you're disputing the way your credit isbeing reported. The control numbers for the submissions are AUD [redacted] for account endingin 9595 and AUD [redacted] for account ending in [redacted]. As with the previous submissions,please allow the CRAs up to 60 days to update their records.Our records show that we did not receive a payment for August 2015 for both accounts. Foraccount number ending in 9595, $25.00 was due on August 8, 2015. For account numberending in [redacted], $28.00 was due on August 15, 2015. Unfortunately, both accounts were pastdue when you began the program. The first program approved payments we received were onSeptember 8, 2015, in the amounts of $22.00 for each account. As advised in our acceptanceletter, after three consecutive months of on-time program payments your account would nolonger be past due. As of the date of this letter your account is no longer being reported as pastdue.We are sorry that your customer experience with our chat agent on December 9, 2015, did notmeet our expectations. We take these matters seriously because it helps to identifyopportunities we have to improve our processes In case you have questions relating to how our Workout Program will affect your credit rating,you may want to reach out to the CRAs directly. I have provided the contact information forthem below:[redacted]

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

The changes capital one has incorporated, mainly to the Armed Forces which has helped several veterans and service members, is uncanny to any other corporation. Yes mishaps happen along the way, but that's how we learn to improve services. I have been a proud Capital One card holder since 2002 or so and throughout all the changes that have taken place in my life i.e, joining the military, family demands etc., Capital One was always accommodating and willing to provide assistance. I recommend this card to all military members I know and veterans- the pros of having a corporation flex and adjust to many life changes, far outweighs a few negative experiences. Thank you Capital One for the excellent customer service reps and for all you do to ensure your veteran and service member customers are taken care of - Hooah! I just wish your commercial featured more military veterans or service member - people like my family that I can relate to.

I had an auto loan with this bank. I ended up unemployed to a lengthy period of time and the offered me their unemployment benefit. In trying to get enrolled in that I was given the run around about how they needed a letter from my former employer. My former employer had gone out of business. I offered to send them a copy of my unemployment claim from the state and they would not take that stating they needed a letter from my former employer. When I offered that they the state would send them a official copy of my unemployment claim directly from the state they still said they needed a letter from my former employer already knowing that my former employer had gone under. Eventually I ended up employed again and asked if I could refinance the loan of my car being as though I was behind, so that I could try to pay extra on my loan to catch up. They asked for my most recent pay stubs. After they received them, I received a phone call later stating that they would not be able to assist me in refinancing because I "make too much money". This company went above and beyond in their effort not to help, or even allow me to get back on track. I would advise anyone to stay far away from this institution.

Horrible bank. They will pull all three credit bureaus just to give you a $300/$500 credit line. Intentionally hurting your financial health.
According to my knowledge, the other banks pulls three bureau reports only for mortgages and big installment loans.
Credit Re-builders and Young folks who is looking to establish credit !!!
Stay away from this bank.
Use google and read all the stories about them from varies websites including Revdex.com.org

Review: The late charge fee was billed on the May statement. I never received the bill.

A late payment charge fee $15 was billed on the May statement. I never received the bill through [redacted]. I tried to explain this to them several times, but they do not want to reverse the charge.Desired Settlement: I would like to receive a credit of $15. I think it is not my fault that the bill statement never arrived, but they do not want to avoid the charge.

Business

Response:

I had the pleasure of speaking with [redacted] on 7/31/2013 regarding his concerns. The customer was assessed a $15 late fee on 5/14/2013. The customer contacted Internet Customer Service and requested a late fee credit. The request was declined as the account is not eligible. However, to bring closure to this matter, the fee has been credited as a courtesy. The customer is satisfied.