Capital One Financial Corporation

Review: Capital one took an unauthorized amount of $200 from my checking account. They gave me the run around by apologizing, asking me to place a stop payment through my bank for a payment that they already took out, which was impossible, and their employees , including supervisors lied to me about how I was going to get my money back for a canceled application. They assured me no money would be that no money would be taken from my account and they took it anyway. Then told me they would send me a check in 14 days. This has caused a lot of stress and anxiety because I spent money using my debit card based on knowing my money is in my account. They are very unprofessional, told lies, and unsympathetic about giving me my money back.My complaint concerns: a Banking Account (Checking)Desired Settlement: I would like my funds to be reversed immediately back into my checking account. I'm a veteran that need my money. Request retraining of staff so they know their company policies and procedures so they can better serve the public.

Business

Response:

Dear [redacted], The Revdex.com (Revdex.com) shared your concerns about a refund of your security deposit. I apologize for any frustration that you may have experienced regarding this matter. On August 3, 2015, we refunded the security deposit in the amount of $200.00, and we confirmed that this was deposited into your bank account. I attempted to contact you by phone, but my attempts were unsuccessful. I wanted to speak with you directly to advise you of this. On July 27, 2015, you were approved for the secured credit card, after we received your online credit application. We show that you called us that same day to confirm if we had received the security deposit, and we advised that we did receive the deposit, and the funds were in the process of being cleared with your bank. We received another phone call from you that same day, and you advised the agent that you would like to withdraw the credit application. The agent processed your request and advised you that a confirmation letter would be sent to you confirming your request to withdraw that application. During the conversations you had with our agents on July 27, the security deposit was never discussed. However, on July 29, 2015, you contacted us about the security deposit and we informed you that the security deposit takes 10 business days to be refunded. Please be advised that upon approval of your credit application, you are notified of the security deposit amount required for your account. We provide you with a cr in order to make a security deposit. Before submitting the deposit, you need to review and accept the terms and conditions of the account, prior to submitting the security deposit. By doing this, you authorize the funds to be debited electronically from your bank account. We also sent you a letter on July 27, 2015, advising you of this process (copy enclosed). We found no error in the processing of your application or the opening of your account. 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 that I can. Sincerely, [redacted], on behalf of Capital One

Review: I recently pulled my credit report and notice late payments that are suppose to be on time payments. I request and was assured I had a deferment in place in July-Augus 2012. However since that date my accounts have been a month behind until I noticed it in Augus 2014 in which I tried to double payments to get the auto loan current. I'm furious that the agency didn't process this nor have any documentation of this account.Desired Settlement: removal of all late payments since july-august 2012

Business

Response:

Dear [redacted],I am writing in reference to your submission to the Revdex.com regarding your loan ending -[redacted]. This matter was forwarded to Capital One for research and response. Upon receipt of your request, we attempted to reach out to you via telephone, but were unsuccessful. After a thorough review of your account’s payment history, we confirmed several instances when we received the auto loan payment after the due date. Our records also confirmed that we received 51 payments 30 or more days late. Our recordsdo not indicate that we agreed to any extensions of your auto loan payments. Please note that Capital One’s business decision is to report account information to the credit reporting agencies. In accordance with the [redacted] ([redacted]), weare required to report true and accurate information to the credit reporting agencies. As such, we are unable to delete derogatory payment history as a gesture of customer goodwill. I sincerely apologize for any frustration or inconvenience this may cause.If you have any further questions regarding your account, please contact Capital One Auto Finance at [redacted]. Additionally, I can be reached at [redacted].Sincerely,[redacted]

Consumer

Response:

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

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

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.

Review: When I originally signed up with Capital One they did not charge me an annual fee. Years later they started with an annual fee and will not explain why. I've gone back and forth with them for a few years and they will not provide me with a signed copy of the ORIGINAL agreement. They simply point me to their online service that sends me an updated copy of the document, which they have changed since sign up. They beat around the bush and keep pushing that they will provide a copy of the agreement, but I specifically ask for the ORIGINAL and they will not provide. I have been paying this for years and am fed up with them not giving me what I am asking for.Desired Settlement: A Refund for every month that I paid the annual fee which I never agreed to pay on the original agreement. I would like a copy of the ORIGINAL agreement that has my signature on it. I would also like copies of EVERY statement since the date I opened the account.

Business

Response:

Our customer requested a copy of the original terms of his account including his signature and copies of every statement since the account was opened because he does not agree with the monthly membership fee on his account. He also asked that we add rewards to his account. I advised him that we are not able to send the original signed terms, removed the monthly membership fee from the terms of the account, waived all monthly membership fees since 2010, sent seven years’ worth of statements and added 1.5 percent cash back to the account. This complaint was resolved by phone.

Review: Capital One deny my credit application for a Capital One Credit Card today without reviewing my credit reports. This was unprofessional unfair, and I have reported to Federal Trade Commission, and the Office of Attorney General, Bureau of Consumer Financial Protection. This is unfair treatment of a consumer by Capital One to deny my credit application without first checking my credit reports, Capital One did not review any of my credit reports from Transunion, Experian or Equifax per the Supervisor at Capital One in the Credit Card Department her name is Thuy.Desired Settlement: I want to appeal this decision to deny my credit application I would like Capital One to first pull my credit reports and review my credit reports then make a decision whether to deny me or not after reviewing my credit reports, I have Good Credit.

Business

Response:

Dear [redacted], I’m reaching out to you about the concern you sent to the Revdex.com (Revdex.com) regarding your applications for a Capital One credit card account. We would like to share some information with you. As you requested, we reviewed your application again, and unfortunately we are unable to approve your application for credit. You will receive a separate letter within 7-10 days that explains the specific reasons. When we review an application, we look at multiple sources of information including but not limited to the handling of past or present Capital One credit accounts, Consumer Reporting information, and data submitted on an application. Unfortunately, we are unable to offer you credit for the reasons we provided you in our original letters informing you of our decisions. Foryour records, I have enclosed these letters. Please review them, and find the reasoning as to why the applications were denied. We understand how frustrating it may be to be declined for an application and we want to help. We encourage our customers to contact the Consumer Reporting Agencies (CRAs), like Experian and Equifax, to find out more information about credit, and how you may be eligible for a credit card. To assist you, we have provided the following names, addresses, and telephone numbers for the CRAs below: Experian Equifax TransUnion InnovisP.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 43216www.experian.com www.equifax.com 800-888-4213 800-540-2505www.transunion.com www.innovis.com EQUAL CREDIT OPPORTUNITY ACTThe federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC 20006. 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 available: [redacted]. I am happy to help in any way that I can. Sincerely,[redacted], on behalf of Capital One

Review: I am loyal capital one customer that is in need of your help. I have contacted Capital One about this issue but still don't have the desired resultsI was laid off and miss a couple of payments. I was not informed that I had insurance on the credit card that would have covered the expenses. I now have late payments on my credit report with all 3 bureaus when it should have been avoided. Thank you for your time and consideration.

Respectfully,

[redacted], Customer

Re: [redacted]

SSN# [redacted]

Cell: [redacted]Desired Settlement: Change the late payments to NR for the months in question when I was reported as being late to the 3 credit bureaus.

Business

Response:

October 21, 2013

Re: Account ending in [redacted]

CID: [redacted]

Dear [redacted]:

I’m reaching out to you about your complaint to [redacted], Capital One Card President, regarding your request to update your credit report. We take your concerns seriously and would like to address them.

Our records show we responded to similar concerns on August 9, 2013, and September 25, 2013. Our last 2 letters, reviewed by our executives here at Capital One, provided an explanation as to why we are unable to update your credit report. After a review of your most recent complaint to [redacted], our position remains the same and we are not able to update your credit report. If you have new or additional information regarding this matter please feel free to provide that to us at the address above.

If you have questions or concerns, feel free to call me at [redacted], Monday through Friday, 8:30 a.m. to 4:00 p.m. ET.

Sincerely,

Office of Executive Resolutions

Capital One

Enclosures

Review: I have noticed on 5/12/2012.. A request was made for credit. I did not authorize this inquiry. I have placed several fraud alerts on my report over the last few years. If I am remiss, please provide any signatures you may have on any applications. If I am correct please remove this inquiry from my experian report as soon as possible.Desired Settlement: Remove from report- experian

Business

Response:

Dear **.[redacted]:

I'm reaching out to you about your complaint to the Revdex.com. 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 call at [redacted] and provide me with the following:

Your name

Your current address

Your date of birth

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

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

Sincerely,

Office of Executive Resolutions

Capital One

Review: I contacted my Business Banker at Capitol One back in March 2013 and requested a intrest reduction on my existing business mortage with Capitol one since commercial rates are much lower now than when I orginally got my mortage. The Business Banker said no problem I'll look at . He said he could help me out. Months went buy I called and emailed numerous times to see if the reduction was coming. Finally in June he contacted me and said the underwriter needed more info I sent them that and that he could get me 1/2 percent reduction but more if I would move other business over I was doing with another co.I said I was happy with them and that they sent me alot of business and I didnt want to change companies.So he said fine and I would get the 1/2percent reduction plus pay 400.00 in closing costs. Weeks have gone by again and a couple more calls to him a couple more emails and no call back it's now August. I would have been fine if they had told me no in the beginning I know I'm a small business I just feel I"ve just got the run around and should recieve more respect for my business with them for 15years and all my banking I do with them.Desired Settlement: DesiredSettlementID: Other (requires explanation) Just a call back and we can or can't do it for you without the run around would be fine. I know 1/2 a percent isn't much something is better than nothing. I don't know if that was meant as a joke. I'm beginning to wonder.I would at least like the lower rate or alittle more though it's not much it's a little savings.

Business

Response:

September 5, 2013

Revdex.com No.: [redacted]

Our Case No.: [redacted]

Dear [redacted]:

I have reviewed your concerns regarding your Capital One mortgage and would like to address you concerns.

Upon review of your account we confirmed that you loan was initially originated with an interest rate of [redacted] In November of 2010, we approved a rate reduction to[redacted]. We have not identified any subsequent conversations in which you requested an interest rate reduction.

On September 5, 2013, [redacted], Small Business Banker, contacted you to discuss another possible rate reduction. We have scheduled a follow-up call for September 6, 2013.

We trust this response has fully addressed your concerns. If you have additional questions regarding this matter, please contact [redacted].

Sincerely,

Review: This complaint is about the balance on my credit card statement for June 25 to July 22, 2013. The balance appears to include only fees and interest. I have not used this credit card for over 10 years. I have not received any statements for the time I did not use this credit card (over 10 years). This year all of a sudden, I started receiving statements claiming that I owed a balance although I have not made any purchases for over 10 years.I request that the fees and interest be erased and the account closed because I have not used the card for years.Desired Settlement: I request that the fees and interest be erased from the credit card account and the account closed because I have not used the card for years.

Business

Response:

We have credited the account for the full balance, updated the credit bureau reporting from April through July 2013, and advised our customer that the account is already closed.

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.

Review: I opened Capital One Venture credit card and the agreement was that if I spend $2000 dollars in the 1st 3 month's of the service they will give me 20000 bonus points, which can be redeemed later. I successfully did $2000 and more dollars in purchases within the first 3 month's and I requested a check to redeem my bonus points which was around 24000 bonus points which equals $121 something dollars I contacted them about another thing like 4 weeks ago and the representative said that my check is on his way. I contacted them today 03/12/2014 and I spoke with the Chat representative [redacted] just waist my time for 30-45 minutes (I have the chat log as well).. I will only publish the order number that he gave me: [redacted]: Order Number: [redacted]. and after that told me that there is nothing that [redacted] can do and that I have to contact the customer service at: [redacted] I contacted them and I spoke with a lady where she checked and she said that the check was not Cashed or Deposited.. so my questions is how come if you owe money to the bank they will call you and even harass you but when they owe you money they didn't even bother to sent one email saying: Hey we see that you didn't cash your check... what is happening? My overall opinion is that they just though that I will forget about it and they can just keep the money... that kind of practices are ridiculous especially by BANK. That's why I'm here because I felt obligated to report that kind of miss-doing! This is a fraud and I think that they have to get some kind of consequences for doing this!Desired Settlement: By the Order number you can find out how much exactly my check suppose to be (around $121 dollars)! I'm expecting it in the mail and I want written letter or email apology about this!

Business

Response:

Dear [redacted],
I’m reaching out to you about your complaint. We would like to try to help you with this.
We apologize for any inconvenience that you have experienced. Before I can look into your
concerns, I need to verify your information for security reasons. Please give me a call at the
number listed below and provide me with the following:
? The last 10 digits of your account number
? The last four digits of your Social Security Number
? Your date of birth
If you prefer, you may mail this information to the address [redacted], 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 9 a.m. to 5:30 p.m. ET. I’m glad
to help any way I can.
Sincerely,
[redacted], on behalf of Capital One

Review: I have been trying to settled an old account with Capital One / [redacted] account ending with [redacted], that they wrote off for [redacted]. This card limit was originally [redacted] . Capital One/ [redacted] has chosen to load excessive fees against me for not paying on time. I had been making payment via [redacted] service with my [redacted] service. I have made a total of [redacted] to [redacted]/ Capital One Bank. I wrote them about this issues and got a letter dated July 16, 2013, saying they were unable to locate the account. On July 19,2013 I got a letter from them saying that they are reporting my account correctly and the account was sold to a debt buyer, [redacted], but no mention of the [redacted] I have paid them since 05/24.2013. I called and spoke with a customer rep who told me that they only received [redacted] and forwarded that to [redacted]. I sent them another letter asking about the [redacted] payments and they sent me a letter dated on July 26, 2013 identical to the July 19, 2013 letter and no mention of my [redacted]. I am drafting another letter today to again ask them where is my [redacted] I have paid them and to provide me proof that they have transferred that money to [redacted].Desired Settlement: I want [redacted]/ Capital One to provide me proof that [redacted] has all my money and adjustments made to the reporting to all credit bureaus/ or send me my money back to me. They are reporting inaccurate payment received dates and other incorrect entries. I want them all corrected.

Business

Response:

We have responded to the cardmember by mail on September 4, 2013 and informed him that this matter is resolved. We provided all the requested account information and validated the status of the account.

Review: Good Evening,

approximately 3 weeks ago I noticed that my pre-authorized payments to my credit card had ceased for some reason and could not figure out why. Upon contacting Capital One, I was placed on hold for approximately 45 minutes, which after an automated messege stated that they are experiencing higher than normal volumes, if you leave a voicemail and contact number, a rep would contact you back. I took this option. After 3 weeks I had not heard back from the company. I called them back upon recieving my bill stating I was behind and failure to pay the minumum balance would result in credit score damage. Totally understandable. I spoke with a rep who was unabel to assist with the issue, and was transferred to a [redacted]. while waiting for the [redacted] I noticed that my rates had increased from 9.99% to 19.99%. Upon speaking with the [redacted] and going back and forth I was advised that although he could up-com my complant to a [redacted], it would "do me no good" as the only way to have the rates reverted would be for my finacial institution to send them a fax admitting fault. I not as concerned with the rates as I was cancelling my card with them. Further to my issue, I read in bright red writing that if I had paid the minumum balance on my card by January 7th 2014, I would avoid credit score damage. Upon inquiring this to the [redacted], he stated it was not true and there there was irreparable done to my score. I advised him of the writing on the bill stating the above, and was further advised that it was not the case. At this point I could not deal with him any longer as we would have gone all night without a resolution.

Upon applying for a new card with my current financial instution, I was advised that there was indeed damage done by Capital One. I am requesting your assistance in this matter for a resolution as the [redacted] stated that I could talk to the [redacted] and [redacted] of the company and they would not revert anything without my financial instution admitting fault.

In addition, I inquired to the [redacted] as to when his rate hike went into effect. He stated it was on the 12th of December. I had placed my origonal calls back in the end of November. Upon advising the [redacted] of the above, he coud not answer the question and stated that it was my resposibility to keep track.

I understand its my resposibility; however I paid my bills, intrest rated and card fees. I expect a multi-billion dollar Corporation to at least get back to their customers in a sufficent amount of time. I do not feel I should have to chase them around canstantly calling them as they had been advised to call me back as soon as possible, and relating to the possibility of missed payments, and confirmation that they did/did not recieve them.Desired Settlement: I am not looking for any financial compensation; however I would like my Credit Score adjusted. I am not concerned what intreste rate is left as I have left them as a customer. In addition I would like to request a signed apology from the company for their conduct and lack of customer service.

Business

Response:

Dear

[redacted],

Thank you for your recent inquiry

regarding your account, and the opportunity to be of service to you. As a

member of the Executive Response Committee, part of my role is to review

matters of escalated customer inquiry and complaint on behalf the Capital One

Bank (Canada Branch) executive offices.

In the Revdex.com (Revdex.com) referred

complaint, it was mentioned that you were requesting to update the status of

your account, as reflected on your credit file. Your request stated that your

account status should be R1. We will be reporting this change in status to the

major credit reporting agencies.

We apologize for any inconvenience and

thank you for having a Capital One MasterCard account. As per your request, the

account was closed on December 17, 2013. As of the date of this letter, your

account balance is $1,907.93. We have reported your account to the major credit

reporting agencies as closed.

If you remain unsatisfied with this response, you may contact Capital One’s Office

of the Ombudsman. It is important to note that this

Office investigates complaints in accordance within its own mandate and terms

of reference. This mandate does not

include matters of general policy.

Mail: Office of the Capital

E-mail:

[redacted]

Fax: [redacted]

Regards,

*

Capital

One Bank (Canada Branch)

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: In 2010 I opened a line of credit with [redacted] in 2011 Capital One took over my credit card I'm guessing because [redacted] went of out business. When I opened my account with [redacted] I had no annual fees or membership fee. I never did any new application with Capital One nothing. All of sudden 9/26/2015 I get my statement on my credit card 4 yrs and capital one charged me a membership fee of $59.00. I call I talk to CSR and a Supvr they did this same thing to me in 2014 with this fee keep saying my application and disclosures I never did a application with capital one. My application process with [redacted] I had no fees for this account and then they are going to what 4 yrs later and turn around say their charging me fee these fees to offset cost to manage my account really a credit limit of 400.00 cost so much to manage. An the services I use I never asked or use any of their services. I do not have the card I been paying on time and doing everything to pay it off and now they just set me back by cahrging me another 60.00 I gotta pay again towards my balance when I had my balance down under 300.00My complaint concerns: a Credit CardDesired Settlement: Refund from 2014 and 2015 fee my account should have never been changed never had my consent. I never did my application process with Capital one I did my credit card application with [redacted] when they originally took over the account they kept advertising our accounts where not going to be effected and they lied. They by far are practicing fair for the consumer. I have two accounts with them I have never been this dissatisfied I will not use capital one again.

Business

Response:

Dear [redacted], I’m reaching out to you regarding your concerns to the Revdex.com (Revdex.com), about the way we handled your account. We appreciate your feedback and I would like to provide more information about this. I understand you have concerns with the Annual Membership Fee (AMF), which is billed to your account each year in September. We completed an investigation and found no errors. I would like to explain this. I’m sorry to hear about the inconvenience you have experience while trying to resolve this. I’m glad to inform you that we removed the AMF from your account. We have also credited $177.00 in total, which is amount billed to your account since 2012 when we acquired this account from [redacted]. I’ve enclosed a copy of your Customer Agreement which details everything about your account including the AMF. I’m also including a copy of the change in terms we sent when the account was converted to Capital One. This account has incurred AMF fees since it was established and was owned by [redacted]. An AMF of $59.00 was billed every year in September when the account was owned by [redacted]. We were able to obtain a copy of the original customer agreement that was sent when the account was established, and we confirmed you were provided a disclosure about the AMF. Please see enclosed copy. If you have additional questions or concerns, please call me at 800-955-1455. I am available to assist you from the hours of 9:30 a.m. to 6 p.m. PT, Monday through Friday. When contacting me, please be sure to have the following six digit phone PIN available: [redacted] I am happy to help in any way that I can. Sincerely, [redacted], on behalf of Capital One

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.

Review: I had 2 credit card accounts with Capital One that were charged off in 2009. On my credit report it listed these accounts as being in dispute. So that I can get a mortgage I was required to have these remarks removed. I requested that Capital One remove these remarks, they did. They also reported the accounts as if they were charged off 06/13! Because the credit bureaus see these as brand new charge offs/failure to pay/ delinquencies my credit scores has dropped by over 100 points! I have volumes of supporting documentation and have spent countless hours on the phone with Capital one and the bureaus trying to get this resolved and have been either ignored or given the runaround. I was preapproved for this mortgage. Now I've lost the opportunity to purchase a home that I've worked towards for nearly one year. PLEASE, PLEASE help me.Desired Settlement: DesiredSettlementID: Other (requires explanation)

All I want is my credit score to be accurate.

Business

Response:

We have responded to the cardmember by telephone on 07/03/2013 and mailed a letter advising that this matter is resolved. Unfortunately, we were unable to honor his request.

Review: I called capitol one re my account ending in [redacted]. I was told that I could make a catch up payment of 190.00 and that would bring my account current. I also received a letter dated Jan 17th 2014 stating that I had less than 60 days to make a payment before my card went into collections and was closed. I made the payment on 2/10/2014 of the 190.00. I went to check my balance today and found out by [redacted] a supervisor with number [redacted] that my account was closed on January 13th and it is only in repayment status. I called multiple times before paying trying to save this account from closure. I feel that this was an unethical way to collect money. I should have been told that the account was closed rather being told that via phone and letter that the account could be saved from closure.Desired Settlement: I would like to have the account reopened.

Business

Response:

Revdex.com Phone Summary

Our customer is concerned about the restriction on her account. Our research shows that

we needed to read the customer a disclosure to remove the restriction. We were able to

read the proper disclosure to the customer and have the restriction removed.

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 am beyond frustrated, upset, angry, and aggravated with the customer service I have been given at Capital One so am creating a complaint on the Revdex.com website.This is the issue: I am female and have legally changed my first and middle name via court order from [redacted] to [redacted].As soon as it became legal and I received my new SSN card and Drivers' License I called Capital One (whom I have a credit card with) to see what documentation they needed to update my name on their website / have a new credit card mailed out to me. The representative I spoke to stated all they needed was my updated Drivers' License. I faxed that to them and waited weeks. Nothing changed. I finally called again and was told something completely different. I was told I needed to send in the Court Order paperwork, new SSN card, new Drivers' License card, and then my account number. I did so and again nothing happened.I finally used the "chat" feature and was told I needed to call for assistance. I called up and was put on hold for TWENTY minutes. This time I was told I needed to mail in information. Which I did and still nothing. I finally received an email stating that my new card was sent out.However, my name is still not updated on the website. I sent a secure email message and was told I had to do the entire process again. I have already sent documentation in 3 times, and had called 3 times. I do not want to deal with this again.I also found out a new card was sent but with the WRONG NAME! Why is this so difficult? Every other company I have dealt with (including Capital One 360) was able to update my information with no drama.All I want is my name updated to [redacted], a new card sent to me, and the information on the website updated. Captial One still refers to me as [redacted] and this is a slap in the face as this is no longer my legal name.Revdex.com please help!! If this does not get updated I will close my account with Capital One, this is ridiculous!Desired Settlement: New Credit Card sent with name updated to [redacted]Web site name updated to [redacted]

Business

Response:

The customer’s request was honored and her name was changed in the system, as well as on her new card.

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.

The card was adjusted, but after multiple requests the website was still not updated and I was still receving emails / mailings with my old name on them. No matter I finally just closed my credit card account due to being so fed up.

Regards,

Review: I am a Capital One customer of at least 6 years. Several months ago I was corresponding with customer service regarding a possible new credit card with a higher balance. My ultimate goal was to start using Capital One for everyday transactions. I have gathered enough information and confirmed with a rep that they now allow same client have several different cards with different benefit options. Today I pulled my trigger and decided to apply for a [redacted] card and I was turned down for already having 2 cards with Capital One. Well that is unacceptable so I decided to straighten out the situation with their chat service and they couldn't give me any answers. After several unfruitful attempts to get the right answers on the phone I simply give up. Way to treat a worthy customer with a perfect credit history and above average income. I am more than qualified for this card and would like someone with enough credentials to take a look at my application and reconsider their decision.Desired Settlement: I am extremely not happy with their service and the overall decision process. I would like an appropriate staff to take a look at my credentials and reconsider my application.

Business

Response:

The consumer's application for a Capital One card was declined and he wants another

review. The request was approved. We contacted the customer and left a good news

message. The customer satisfaction is inconclusive.