Capital One Financial Corporation

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: 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: Twice now they have taken unauthorized payments from my bank account leaving it in the negative. This last time I was able to get a refund, but they are now saying I did not make my payment, which I did. I sent them copies of my bank statement AND from their website showing the payment was made and cleared my bank. I have been attempting to contact someone for over a week now and I am not getting a response from them. I have tried calling, which I end up on hold for well over an hour and my emails are being ignored. I am getting automated calls (I answer and am told to contact them) 10-12 times per day.Desired Settlement: I want them to adjust my bill to show I am up to date and to quit getting the automated calls.

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 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: 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]

Review: I asked Capital One on numerous occasions to STOP calling my family's home for collections. I've wrote them emails stating such. I've given them my cell phone number and my work number. I received one call today at my work number, and told the lady I would call them and deal with the balance after 5:00pm CDT. I get a call from my Mother stating Capital One has been calling the house at least every hour. This harassment has got to end. I called Capital One once I was able after work and they wouldn't talk to me unless I gave them my SSN. I told the lady I was not going to give them SSN over the phone, to a call center in India or anywhere else outside of the United States. She then transferred me to a voice mail which I left a message to be contacted by someone within the USA. I'm 15 days behind on a payment of which I scheduled to pay online on the 24th.

How is it legal for a company allowed to do business in the United States, to Harass United States citizens..? Not once have they ceased calling my house number at my demands.Desired Settlement: Cease any and all contact to any and all phone numbers on file for my account except the two I've authorized: [redacted] work

Business

Response:

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

to address your concerns.

We apologize for the inconvenience you have experienced receiving telephone calls

from Capital One Auto Finance. We appreciate the opportunity to address your concerns

and have forwarded your customer experience feedback to the appropriate manager for

review.

In reviewing your account, we confirmed that the first notification we received to cease

contacting [redacted] was on November 10, 2013. At this time, the account was

updated to ensure you would not receive further calls from us at this number. On

February 28, 2014, the contact information for the account was updated on our Online

Banking website. The telephone number you had previously requested we cease calling

was provided as a valid telephone number for us to contact.

We have updated your account upon receipt of your complaint, to ensure that you do not

receive further calls from us at [redacted]. Please understand that if we receive

authorization to contact this number again, telephone calls may resume. Please note

that you should only receive important account information and updates via telephone at

[redacted]. We will also continue to send information through

written correspondence mailed to the physical address that you previously provided to

us, [redacted]

We value your business, and regret any inconvenience this matter may have caused

you. If you have additional questions, please contact our Customer Service Department

at [redacted] If you have questions regarding this specific response, I can be

reached at [redacted]

Sincerely,

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: 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 was sending a [redacted] Money order and did not reliaze that my credit card was going to charge me a cash advance fee for the transcation. I thought the credit card would be charged as a credit or purchase not as a cash advance. I was then charged $10.00 for sending money not by [redacted] but by my credit card. I would like a refund of $10.00. I spoke with your employees at the credit card company and they were rude and wasted my time basically blaming me or [redacted] for the fee but they were the ones who charged me. I was only doing the transcation on my credit card to offer protection and the credit card offered me no protection only a fee.Desired Settlement: Refund of $10.00 fee that was charged by my credit card.

Business

Response:

The customer had a money order processed through [redacted], and was charged a

Cash Advance fee of $10.00. The requested resolution was to receive a refund of $10.00.

We spoke with the customer on 7/2/2014, and credited the account for $10.00.

Additionally, we informed the customer that any time credit it converted into cash that is

would result in a cash advance fee. The customer was satisfied with our resolution.

Consumer

Response:

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

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

Regards,

Review: I 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: 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 MOVED MY CREDIT CARDS TO A CREDIT COUNSELING COMPANY AND WHEN I DID THE FUNDS WERE TAKEN OUT OF MY ACCOUNT TO PAY CAPITAL ONE AND ANOTHER CARD. THE FUNDS WERE NOT TAKEN OUT BY CAPITAL ONE UNTIL A DAY AFTER THE PAYMENT WAS DUE. IN TURN THEY ARE SAYING THAT I DID NOT PAY THE LATE FEES IN OCTOBER, NOVEMBER, AND DECEMBER OF LAST YEAR. I HAVE ALL OF THE DOCUMENTATION WHERE THIS WAS TAKEN OUT OF MY ACCOUNT BEFORE THE DUE DATE ON THE CARD AND WHERE I PAID ALL OF THE PAYMENTS ON TIME. I HAVE CONTACTED CAPITAL ONE AND THEY ARE REFUSING TO TAKE IT OFF.Desired Settlement: I WANT THEM TO TAKE THIS OFF OF MY CREDIT REPORT AND STOP REPORTING FALSE INFORMATION

Business

Response:

Our records show that the September 2013 minimum payment was not received by the due date and only a partial payment was received for October 2013. Therefore, the account was reported accurately to the Consumer Reporting Agencies. After further research and additional documents that our customer provided from the third party debt manager, we have submitted a request to have all three past due delinquencies removed from our customer’s credit report.

Consumer

Response:

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

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

Regards,

I can not seem to get anyone at Capital One to unlock my password. I was on the phone for hours as I got transferred back and forth and no one could do it. This all started because Capital One created a new IPHONE App that no longer allows one to use both banking and Credit cards. I would advise staying away from the Capital One app if you have separate passwords for both credit card and banking it will end up locking you out of your accounts,

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: 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: 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: I was told my credit card balance would be cancelled over a month ago for my payment protection elite. This has not been done can you please tell me why? I have spoken to several representatives. Please help!!!My complaint concerns: OtherDesired Settlement: Please do what was promised over a month ago.

Business

Response:

Dear [redacted], I’m reaching out to you about your concerns to the Revdex.com (Revdex.com) regarding the Personal Account Protection Elite product on your account. We do take your concerns seriously and I’m glad to share more information about this. On March 31, 2015, we received your request by phone to file for a temporary disability benefit with a qualifying event date of March 18, 2015. This benefit is currently active and covers your disability for 18 months. You will be eligible for a debt cancellation if you remain temporarily disabled through September 18, 2016. Our records confirm you had a previous temporary disability benefit from September 15, 2014, through February 25, 2015, when you requested for the benefits to be deactivated. If you have additional questions, please call me at 800-955-1455, Monday through Friday from 9:30 a.m. to 6 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: 858834. I am happy to help any way 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 10801131, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. So you are basically telling me that my initial claim from Feb 2014 to now that I have to wait another 18 months before you will even honor my benefit. I HAVE WORKED A TOTAL Of 8 hours since February 2014. I keep writing , I call and I have filed disputes with all three credit bureaus. When I call you just transfer me. I was on the phone almost three hours tonight with Capital One. I was transferred to 8 different people with no resolution with the only response being we will have someone call you back in 24 to 48 hours. DO YOU NOT UNDERSTAND how frustrating this is. Do you need to be deceased for the benefit to work?

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

Regards,

Review: I had a Capital One Credit Card that I cancelled over a year ago . They continue to carry this account which has had no action for 2 years, but they keep sending me an annual fee charge. There is a zero balance & has been. I've called them a number of times to correct this each time they tell me it's been corrected but that's not been the case.Desired Settlement: A statement in a letter confirming this account is closed & an apology for the problems I keep having w/ these financial criminals.

Business

Response:

Our customer sent a complaint to the Revdex.com stating that his account should have been closed and that he should no longer be receiving fees. I contacted the customer on December 10, 2013 and confirmed with the customer that his account ending in [redacted] was closed in April 2013 and all fees assessed to the account were waived in May 2013 and provided on the May 2013 statement. The customer also requested that account ending in [redacted] be closed. I walked through the appropriate disclosure with the customer and advised that a final statement would be sent showing that there was a zero balance and confirming the closure. [redacted] thanked me for my assistance with his concerns today.

Review: 10/21/15 I checked into a room at the [redacted] and was charged $155.26.

The room was unsanity and I got a headached from fumes after 10 seconds of exposure.

I went immediately to the front desk and asked for a non-smoking room.

I was advised there was not one.

I asked for a refund.

I was advised I had to wait until the following day for a manager to call.

I left the property after booking another hotel in the [redacted] lobby - about 15 minutes later.

I never returned to the property.

I was never contacted by [redacted].

On 10/23/15 I called [redacted] and asked to speak to the manager. I was told by [redacted] I would get a call back by the manager, [redacted].

I never received a call back.

On 10/24/15 I called [redacted] and asked to speak to the manager. I was advised there was no manager and that I would get a call back.

I never received a call back.

On or about 10/24/15 I contacted Capital One to dispute this charge. I spoke with Tiffany. Tiffany did not transcribe the case accurately. I had to speak with her supervisor, Maya.

[redacted] responded to the dispute and claimed that I checked out of the room the next day on 10/22/15 around 12:15 pm. The property runs surveillance cameras. I wasn't on the property on 10/22/15 - their statement is fraudulent.

Capital One rebilled me. I called to get more information and was put on hold for over an hour before I disconnected.

I was advised I would receive mail from Capital One and the deadline for me to respond was in December.

So far I have not received any documentation from Capital One.

I have contacted Capital One no less than 10 times and generally get a Filipino who cannot speak English and cannot assist.

I spoke with employee Chuck 12/2/15 who put me on hold for about 15 minutes.

I then asked to speak with Chuck's supervisor, [redacted] employee ID: TWW218.

I asked [redacted] for assistance and to email me the documents and he advised me he cannot assist.

[redacted] disconnected my call.My complaint concerns: a Credit CardDesired Settlement: Email or overnight mail the vendor's response so I can reply to it.

Credit me back $155.26 and stop wasting my time.

You can see that I rented another room on the credit card hours later.

Business

Response:

Dear [redacted] I’m reaching out to you about your

concerns filed with the Revdex.com (Revdex.com) regarding a recently

disputed transaction and your concern regarding the service you received while

trying to resolve this situation. I’m sorry for the frustration this situation

may have caused you. I have confirmed that on December 2, 2015, a permanent

credit was issued to your account for $155.26. The calls that you mentioned in

your correspondence were reviewed. Please know that feedback has been provided

to the appropriate area. The permanent credit will appear on your December 2015

billing statement. However, I have broken down the credits and debits that

appear on your account as a result of this dispute in the table below: Date Transaction Credit Debit 10/23/2015 [redacted] $155.26

10/26/2015 Purchase Adjustment $155.26 11/21/2015 Transaction Rebill $155.26

12/02/2015 Miscellaneous Adjustment $155.26 If you have additional questions, please give me a call at [redacted], Monday through Friday from 8 a.m. to 5 p.m. ET. When contacting

me, please be sure to have the following six digit phone PIN available: [redacted].

I’m happy to help in 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: CapitalOne took over accounts from HSBC Retail Services (including mine) while I was deployed. I was not provided any information regarding the new account and am unable to obtain a written statement from CapitalOne in order to handle the account. CapitalOne employees will not provide me any information over the phone, and the nearest branch is over a two-day drive away, in another state. CapitalOne seemingly does not want to make accounts or bill payment accessible to its account holders and makes no effort to accommodate service members.Desired Settlement: Delivery of written statement by mail WITHOUT having to drive four days round-trip to Texas from California.

Business

Response:

Dear [redacted]I am reaching out to you about the complaint you filed with the Revdex.comconcerning your [redacted] account. We would like to thank you for your service in the [redacted]

[redacted] and to this country.In May 2012, Capital One acquired a large portfolio of credit card accounts from HSBC, whichwere later converted to our system. Your [redacted] Account was included in this sale along withmany other [redacted] accounts. I want to assure you that this transition was not directed only toyour account. We mailed all of our customers multiple notifications from the time the sale wasannounced until it was completed, and also included messages on certain monthly billingstatements.Our records show that your May 2012 billing statement included a message about Capital Onetaking ownership of your account. The statement was sent to your previous address of [redacted]

[redacted]. We do not have any record on your account that therewas return mail from this address. As you requested, I have enclosed the monthly billingstatements that you have requested dated June 2011 through October 2013.The last payment we received on the account was on February 25, 2013, in the amount of$330.00. Due to non-payment, on October 31, 2013, your account charged off with a balance of$4,861.65.This debt was later sold to The Bureaus on [redacted] As we no longer own thisdebt, we are unable to provide any current information regarding the account or its status. Allfurther questions and correspondence about this debt should be directed to The Bureaus, whocan be reached at [redacted]You stated in your complaint that we should not have sold your charged off account duebecause you were on active duty at the time of the sale. The Servicemember’s Civil Relief Act(SCRA) statute ensures that financial institutions do not take certain adverse actions on aServicemember’s account as a result of having requested and/or having been provided withSCRA benefits. However, minimum monthly payments are still required on accounts.Specifically, the SCRA does not protect a Servicemember from negative credit reporting in theevent the Servicemember does not make payments or pays late. It also does not protect againstcharge off if the Servicemember fails to make payments for 180 days. Capital One complies with all applicable laws and regulations when servicing its credit cardaccounts, including the SCRA. We reviewed our records and have found no errors in theservicing and sale of your account.If you have additional questions or concerns, please give me a call at [redacted], Mondaythrough Friday from 9:30 a.m. to 6 p.m. PT. I’m glad to help any way I can. Sincerely,[redacted]