Capital One Financial Corporation

Review: when I paid my bill of 2012 I was 5 minutes late on my bill. I called and my issue actually was that my min payment was 15 dollars and due on the 14th. I mixed it up on accident paying it on the 15th at 12:05 AM. It was a complete accident. I spoke to the person and they understood the issue and reversed the fee and said it would not affect me. the credit report states 30 days late and they said they would fix this and it was only 5 minutes late. my card number ends in [redacted]Desired Settlement: the updating of my credit report

Business

Response:

Our customer is concerned about the 30 days late on his Consumer Reporting Agencies, like Equifax, Experian, etc. The customer states when he paid his bill in 2012, he was five minutes late. The customer states he called Capital One to inform us and was advised it would not affect him. Upon speaking with the customer on January 14, 2014, the customer states he doesn’t recall contacting Capital One about this account/issue. The customer also states during the call he must have mistaken it for another credit card account. Our research shows that there was no contact received from the customer in 2012, regarding this issue. We advised the customer on January 16, 2014, we were unable to honor his request on removing the 30 days late in May 2012, due to no bank error. The customer understands.

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]. Accept in the terms that I said I didnt recall calling capital one. I stated that I mah have had the wrong card. It was more with [redacted] the old card holder

Regards,

Review: I have requested an image copy of my $5000.00 escrow payment check so I can give it to my mortgage broker he requested. I close on my house on the 20th. Yet I still have not received a simple copy of the check via image format. This could cost me my house. I need this resolved. I can not open the image PDF. Capital One has been aware of the problem for the last two weeks. I've called, email, sent support request for the last two weeks they still have not fixed the problem and provided me a copy of the image check. I've tried to open the PDF via multiple browsers and computers to no avail. Support at CapitalOne also have not been able to open.Desired Settlement: Fix the PDF opening problem with Proof of Payment with [redacted] , Provide me with a image copy of the $5000.00 escrow payment ASAP. I need this resolved ASAP. I have had no luck with Capital One assisting in a resolution.

Business

Response:

December 23, 2013

[redacted],

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

In reviewing this matter, we show you received a copy of your check on December 17, 2013. We apologize for any delay you may have had in attempting to obtain a copy of the check.

We 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,

On behalf of Capital One

Review: On Dec. 4th and 5th someone had my credit card and used it for 2 $200.00 cash advances totaling $400.00. I did not notice my card was missing and the charges until around the 15th of Dec. When I filed fraud on my credit card they had told me it was not fraud because the user had my pin number. The local police department told me it was easy to get a pin number and use it. Capitol One also told me that since the charges were done locally that does not constitute fraud either. They are saying that a member of my family took the card and used it which they did not do. They are putting the charges back on my account and I am refusing to pay it. I did not get the enjoyment of spending that money and who ever did did not have my permission to take the money. The bank does not have cameras on their atm machine to check either.

Product_Or_Service: Credit Card Account

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

All I want is the $400.00 taken off of my account along with the 2 $10.00 cash advance fees for a grand total of $420.00.

Review: Capital one is charging an annual fee on my account. I specifically chose this account with a high interest rate because it has no annual fee. I never agreed to an annual fee. Capital one is attempting to steal from their customers. If I was not as diligent they would have stolen from me too.Desired Settlement: I would like some sort of confirmation that this practice is no longer in effect and all funds have been refunded to all parties who were charged by capital one falsely. Being compensated for my time that I had to spend on the phone with customer service to have funds refunded to my account which were falsely charged by this company.

Business

Response:

Dear [redacted]

I’m reaching out to you about your complaint to the Revdex.com in reference to the

Annual Membership Fee (AMF) on your account. We would like to try to help you with this.

As we discussed, we have removed the AMF from your account terms and provided credit for

the last three years of billing. In total your account has been credited $57.00 in AMF fees. You

will see these credits on your October and November 2014 statements. We confirmed the

account terms that were disclosed when you applied online included a $19.00 AMF which would

be waived for the first year. I’m sorry for any inconvenience this issue may have caused. Lastly,

we don’t offer compensations for this type of concern.

If you have additional concerns, please give me a call at [redacted], Monday through Friday

from 10:30 a.m. to 7 p.m. PT. I’m glad to help any way I can.

Sincerely,

Review: Capital one repo my car. I got it back and it was damage and things was stolen out my car. I followed all the rules, it's been 4 months and I have spoken to Ms.[redacted] who was handling my case she called me telling me that they approved my car getting fix. She told me that they sent the check to the dealership, then she told me that she didn't no which dealership. I called and sent emails she call me back saying she's still working on it. Then she called me on last Friday saying that they lost the check, I guess she forgot she told me she sent it to the dealership. She said she would call me 1st thing Monday morning she didn't. I called on Friday she never answer the phone so I sent a email and then today is Saturday I got a letter in the mail saying I DIDNT follow the process and that they not fixing my car, I need file with the tow company and the auction people. Capital one is a scam she lied to me the whole time. I have all my information all my emails and pictures. The calls I made, In the attempt of getting my car fix. I feel like she new from the start. Thank u!Desired Settlement: Please fix my car, and stop giving me the run around. Thank u!

Business

Response:

Dear Ms. [redacted], I am writing you today regarding the situation you explained to the Revdex.com regarding damage to your vehicle during repossession. This matter was forwarded to Capital One for research and response. We appreciate the opportunity to address your concerns. First and foremost, I apologize for any frustration that has been caused by our handling of this issue or our communications with you. Capital One puts tremendous effort into providing excellent customer service, and we have fallen short in your case. Our records indicate you spoke with a Capital One associate on July 20, 2015, and were informed that the denial letter you received regarding your Damaged Car Claim had been sent in error. We apologize for any confusion this has caused. The claim you filed for repairs to your vehicle has been approved for $2,286.19. A check was sent on July 22, 2015, to the repair facility by Ready Auto Transport that damaged your vehicle. If you have additional questions, please contact our Damaged Car Claims team at (800) 735-8719. If you have questions regarding this specific response, I can be reached at (972) 515-2010. Sincerely, [redacted] Office of the President, Financial Services Capital One Bank, N.A.

Review: When I opened my checking account in May 2014, I ordered two checkbooks. They were the same numbering sequence, so one was deactivated and I've been writing checks out of the other checkbook for the last year with no problem. My non-deactivated checkbook from Capital One 360 ([redacted]) was cancelled randomly in June 2015, a year later, with no notification to me whatsoever. They are remedying by giving me a checkbook with a different sequence. That is fine, but I had written a check from the checkbook deactivated in June 2015 and incurred a "bounced check fee" by my landlord. This is not my fault and asked Capital One 360 to reimburse me for the $12 fee. They refused, even though the situation is their fault. They have screwed up twice, and now they want me to be responsible for a fee that resulted from their mistake.Desired Settlement: $12 reimbursement and an apology.

Business

Response:

Dear Ms. [redacted]: We are writing in response to the complaint that you filed with the Revdex.com (Revdex.com) about a check returned on your Capital One 360 Checking account. We understand that our 360 Customer Satisfaction Team already reached out to you on this and confirmed that check #329 was returned because stop payments had been placed on the check numbers contained in the duplicative checkbook you mistakenly received from our vendor. The stop payments were placed as part of an upgrade to our check activation system and were not intended to apply to the original checks. Again, we understand the importance of paying your living expenses on time and can’t imagine how you must’ve felt when your check was returned at no fault of your own. We sincerely apologize for this inconvenience and have credited $12.00 to your account to cover the returned fee incurred from your landlord. If you incurred any additional fees because of this, please fax (1-302-255-3095), email ([email protected]) or mail documentation showing the fees you incurred to: Capital One 360 ATTN: Office of the President 30 7th Ave. South St. Cloud, MN 56301 Please be sure to note your name and Username, and we’ll credit the reimbursement to your account. If you have additional questions, please reach out to us at [redacted]. Associates are available from 8AM - 11PM EST Monday - Sunday or at [redacted]. 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: I am writing a complaint on this company because they placed 3 different collections on my credit file that I do not recognize. I have never had a relationship this company. I have contacted Capital One and spoke with a rep named [redacted] and she stated that they do not have any records of me in their system. I have written several letters to Capital One and have proof that they have received my letters and they fail to provide me with the documentation that I have requested which are as follows: *Itemized statement of all charges and credits on the above mentioned account from the date the account was allegedly opened to current date to substantiate the amount that you are attempting to collect *Statement confirming that no part of this debt was paid by an insurance claim or used as a write off for taxation purposes *Provide a copy of an original executed contract that contains my signature, where I agreed to this debt I do not have the account numbers but my social is [redacted]Desired Settlement: To delete these accounts from my credit reports immediately

Business

Response:

We have responded to the cardmember by mail on November 4, 2013 requesting for more information. This matter can not be resolved until we receive a response from the cardmembers.

Review: The company has allowed someone to open a charge account in my aunts name and charge up to the limit. I talked to them a number of times and she also talked to them the best she could (she is 104 yrs old and has dementia). They insist that it is her card even though her name is misspelled and the date of birth is incorrect. No one should allow a 104 yr old to have a card without checking for credit. This is not her card and they will not tell me which state the card was opened in so I can contact the proper police department and they keep sending bills.Desired Settlement: admit that she is the wrong person (especially since her name is misspelled), drop charges against her

Business

Response:

Dear [redacted],

I’m reaching out to you about your complaint to the Revdex.com regarding an account opened up in your aunt’s name. We would like to try to help you with this. Before I can discuss the account with you, we will need you to provide a notarized Power of Attorney authorizing us to speak with you on your aunt’s behalf. You may mail this information to [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 8 a.m. to 4:30 p.m., PT. I’m glad to help any way I can.

Sincerely,

Office of Executive Resolutions

Capital One

cc: Revdex.com

Review: I recently applied for a secured card from Capital One. My credit was 700 so I probably didn't need a secured line but considering my limited history I thought the secured card would be a safe bet.

I was approved with the minimum deposit/credit ratio which meant that for $49 I would receive $200 in credit. Capital One went on to advertise that I could increase my credit line with an additional deposit- Up to $3000.

I contacted a representative and was told that the same ratio would hold for my additional deposit; meaning that if I deposited $750 I would receive the maximum credit line of $3000, which I did.

To my dismay, I was only given a 1/1 ratio for my deposit and I now have a credit lline of $900 ($750 of which I paid for.)

I went back and read everything (including the cardholder agreement) and could find nothing that said I would only get what I put in.

Furthermore, Capital One held on to my deposit for almost 21 days so I tied up $700 for no reason, under completely false pretenses.

I am so furious with Capital One and It;s a shame because I have always thought them to be a reliable company with great customer service, but this false and misleading advertising really undoes all the good.

Had the representative I spoke to told me that I would only get a 1/1 ratio for my additional deposit I never would have made it and this situation could have been avoided.

If this situation isn't resolved my next step will be to file a complaint under the Massachusetts Consumer Protection Law-MGL 93A.My complaint concerns: a Credit CardDesired Settlement: I would like Capital One to give me what was promised and I was lead to believe I was buying.

I would like them to increase my credit line. (I'm not saying that it has to be a 4/1 ratio of credit to deposit but it should be SOMETHING because this is unfair, unjust, unacceptable. and deceptive.

I pay my bill in full every month and I will continue to do so so I am not a huge liability in regards to credit. (At least not compared to a dissatisfied customer.)

Business

Response:

Dear [redacted], This letter is in reference to the concerns you filed with the Revdex.com (Revdex.com), about the recent deposits you’ve made on your account and the contacts you’ve made with our associates and the information they provided to you. I have confirmed that we previously responded to the email that you sent to Richard Fairbank, CEO, related to the same issue. For your records, I have enclosed a copy of our May 26, 2015, response letter with the attachments included. I have also provided a screenshot of the terms and conditions displayed at the time of approval, when the application was submitted online. If you review the section named How Do You Determine My Credit Line?, it discloses how security deposits are applied to your account. If you have additional questions, please call me at [redacted], Monday through Friday from 6:45 a.m. to 3:15 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. 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.

Review: Store sales associate at [redacted] explained to me that by making an in store payment on July 24th, 2013 would cover my minimum balance for July and that a subsequent online payment for $56 on July 28th, 2013 would cover my payment for August. I have not received a statement from the company and also did not receive a phone call for notification of a missed payment. The company filed a 30 day late payment on my account and changed the status to pays 30-60 days and not paid as agreed even though all subsequent payments have been on time. I notified the company as soon as the information was reported however they refused to correct the mistake with the credit bureau. They assure me they are sending statements to the address on file but I have yet to receive a single statement from this company.Desired Settlement: I request that Capital One remove the negative statement, 30 days past due, on my credit report and return the account to pays as agreed as I have NOT received a statement and was misinformed by a store clerk that represents their company. I have also filed a dispute with the credit bureau.

Business

Response:

Hi,

We have responded to the cardmember by mail on October 24, 2013. The matter has been resolved in the cardmembers favor.

Thank you,

[redacted].

Review: On 11/03/2011, shortly after Capital One 360 took over for [redacted] in June of 2011, I reported a glitch in the third-party verification system that [redacted] had used for verifying the identity of consumers while adding external checking accounts to their online profiles in order to make incoming and outgoing [redacted] transfers. The glitch involved the fact that the third-party vendor's system failed to identify consumers as having lived or worked within the state where their Social Security Cards were issued, as I had to falsely indicate that I had never lived or worked in [redacted] -- within the same set of questions wherein I was also asked to confirm that my Social Security Card had been issued in [redacted] -- before I could add an extremal account. Instead of investigating this glitch, Capital One 360 flagged my account as a security risk because of it, as I have been unable to add external checking accounts online since shortly after I reported the glitch. Moreover, Capital One 360 insists on steadfastly lying about having flagged my account as a security risk, endlessly vacillating between asserting that the third-party verification system is behaving exactly as it should -- which would tend to confirm my original assessment about my account being flagged as a security risk in order to cover up the Bank's refusal to investigate and correct the glitch I encountered -- and stipulating that it is because of shortcomings in the third-party vendor's verification system that consumers are sometimes required to phone in to verify their identities when adding external accounts online. Initially the Bank claimed that I was suddenly required to phone in when adding external accounts online as a means to enhance online security, until I pointed out that this could not be the case, given the inherently unsecured nature of mobile phone connections and the fact that the Bank does not specify that a landline phone be used to phone in.Desired Settlement: I want for my deposit accounts with Capital One 360 to be closed -- pending the completed transfer of my funds to Ally Bank -- as I see no point in associating with an internet-based Bank that openly and willfully engages in negligent, fraudulent handling of internet security.

Business

Response:

Dear [redacted]:

We are writing in response to the follow-up complaint that you recently filed with the RevDex.com (Revdex.com) about your Capital One 360 accounts ending in [redacted] and[redacted].

We regret you were dissatisfied with our letter dated May 12, 2014, which detailed our position

regarding our verification process for your accounts. We strive to provide excellent service to all

of our customers. Respectfully, we feel that our previous response fully addressed your

concerns, and we continue to uphold our position. We have attached a copy of our previous

response for your reference.

Per your request, the accounts were closed on May 15, 2014. At the time of closeout, the

account balance was zero. Your closeout statement is scheduled to cycle on June 6, 2014.

Please allow 7-10 business day from the cycle date to receive the statement.

If you have any other questions on this matter, please reach out to us at [redacted] or at

[redacted] associates are available from 8 AM to 8 PM est, 7

days a week.

Sincerely,

[redacted] on behalf of Capital One

Review: Have contacted the company numerous times to cancel credit card. They continue to bill me .50 a month for a minimum interest charge on a zero balance. When I call to correct this error EACH month they say they will remove the charge and cancel my card. The next month I get a $5 past due fee and a .50 minimum interest charge. This has gone on for over 6 months. I have no used this card in over a year and have been trying to cancel the card to no avial.Desired Settlement: Close account!!

Business

Response:

We have responded to the cardmember by mail on October 21, 2013. The matter has been resolved in the cardmembers favor.

Review: On March 2, 2014 I applied for a credit card wtih Capital One and was approved for a secured card. I called them back on March 6,2014 to confirm the amount needed to secure the card. I was informed the cost was $75. On March 7, 2014 I sent the money through online banking. On March 12, 2014 I called to confirm that yes, they had finally received my $75 and my card had been mailed out that day. Fearing that what I had been told was not correct, I called customer service back on March 13, 2014. They informed me that no, my card was not being sent out, it was a letter of verification of address to take to the post office, fill out and return to them. Once they had received that letter back, THEN they would mail me out my card. I was so frustrated that I demanded they close my account. However, I then decided, if I could speak to a manager to have everything sped up, then I wouldn't close my account. I had a customer service rep call my cell phone while at work, so I could not answer it right away. I called them right back, and after a half hour phone call of me telling them that NO, I did NOT want to close my account, he went to his supervisor and they refunded me the money, which I wont see for 60 days according to what I was told. I was FURIOUS!!!!! I am disgusted with their customer service as every representative that I spoke with, did NOT know what they were talking about as I was told something completely different by each representative. I want to be a customer of Capital One as it is the only credit card company/bank that will give me a credit card with my crummy credit. I need to build my credit back up, but this will not help me, if they continue to be complete mns!!!Desired Settlement: What I want, is for Capital One to give me the credit card that they were planning on giving to me, with a higher credit limit, and mail it out to me within the next week!!!!! I need this card to be able to run my business!

Business

Response:

Dear [redacted],

This is in response to a recent e-mail correspondence received in our office on March 17th 2014. As a member of the Executive Response Committee, part of my role is to review matters of escalated customer inquiries and complaints on behalf of the Capital One Bank (Canada Branch) executive offices. I appreciate the opportunity to address your concerns.

According to the email referral, it was indicated that the above account was closed in error and you have requested the account to be reopened.

Please be advised that per your request, your account has been reopened. On behalf of Capital One, please accept my apology for the inconvenience that this matter may have caused.

At Capital One, we strive to provide the highest standard of customer service and thank you for continuing to be a valued Capital One customer.

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 One Ombudsman

E-mail:

[redacted]

Fax:

[redacted]

Regards,

Executive Response Coordinator

Capital One Bank (Canada Branch)

Review: We paid HSBC credit card services IN ERROR, via my online banking--we really wanted to pay HSBC Mortgage services. We did not realize the error until we got a phone call on 7/17/13 from HSBC mortgage services informing us that payment had not been received. We immediately contacted HSBC credit card services and requested the refund--and the representative stated it would be issued within 7-10 business days, but no refund. On 7/29/13 we contacted HSBC again and we were told that we needed to contact another number [redacted] between the hours of [redacted] and [redacted] only--pacific standard time) and we did so, and the representative told us that we would be issued the check within 7 business days. It is now 8/6/13 and the amount is still sitting as a credit on their account and it does not seem that they are working fast enough to issue this refund.Desired Settlement: We want a refund in the amount of $4106.97 which was paid to HSBC credit card services in error. We do not owe them any money.

Business

Response:

A refund check in the amount of [redacted] was received by the complainant on 08-12-13. We spoke with complainant and confirmed the check was received on 08-12-13. Customer satisfied.

Review: I received an email from Capital One saying if I want to opt out of sharing my info for advertising, I have to go to their website. Fine did that, had to download a pdf for a description of services you share my personal info for. No problem, pdf says I need to call a number to opt out. Did that and got some guy in a call center in [redacted], fair enough. I ask to opt out. The guy says no problem and will try to update my info I wait 5 minutes "sorry for the wait, one more minute as I put you on hold." This happens 3 more times. Then the guy says sorry, I have to get an administrator to access the file. I wait 10 minutes. The representative, and I use that term loosely, says "sorry the computers are overflowed with requests please call back in an hour." This is HORRIBLE business practice. This whole ordeal could be done in the click of a button on Capital One's website in the my accounts preferences. This hoop jumping is an obvious tactic to dissuade individuals from protecting their information. Under Capital One's contract, we must be able to Opt Out of sharing our information to both internal and external advertisers.Desired Settlement: To have a simple opt out feature in the "my accounts" section of their website.

Business

Response:

We have submitted a request to remove the complainant's contact information from our mail, telemarketing, and email solicitation lists. However, we did advise that if he was selected for any offers before we received the request, he may still get mail solicitations for the next several weeks, email solicitations for 10 business days, and telemarketing offers for the next 30 days.

Review: Capital One has the worst customer service ever! They are downright deceptive and do not respect their customers in any way! I have had their card for almost a decade and every couple years, they would raise the limit higher and higher as if to try to convince me I was important! Wrong, when I stopped using their card, they stopped caring totally forgetting the days when I was freshly 18 and unable to manage my money leaving them hundreds of dollars in fees! Charging membership fees cleverly disguised as worthwhile and then not even giving a damn when someone is willing to walk away! How do you sleep at night? I spit on the name Capital One!Desired Settlement: I want a refund via check of the last seven months of membership fees I only paid thinking I meant something to Capital One!

Business

Response:

The customer’s request was honored and her

membership fee for seven months totaling $[redacted] will be sent to her.

Review: I recently obtained a copy of my Credit Report. I noticed an OPEN Capital One account on my Credit Report, with a balance of approximately $2641.00 that was past due! I have NEVER received ANY correspondences rom Capital One at my above home address about this account. I am DISPUTING this debt. I am asserting ALL my legal rights under the FAIR DEBT COLLECTION PRACTICES ACT 15, USC, SECTION 1692 C. This is a FEDERAL LAW. Aside from verification of this debt, I do not want Capital One to contact me. I give the Revdex.com my full authorization to contact Capital One on my behalf. Capital One has my full permission to give the Revdex.com any information that it requests connected to this account. I want to be supplied with copies of the following ORIGINAL DOCUMENTATION used to open this account immediately from Capital One:

1. The FULL NAME of the individual that opened this account.

2. The complete mailing address that is connected to this account.

3. The complete address that the Credit Card was mailed to when the account was opened.

4. The EXACT DATE that the account was opened.

5. The Social Security Number that was used to open this account.

6. The FULL NAME of the original debtor on this account.

7. How was this account opened...Mail, Internet, etc.

8. What was the BILLING ADDRESS connected to this account.

9. Copies of all RECORDINGS from the DEBTOR connected to this account.

10. The exact INTEREST RATE when the account was opened.

11. An exact calculation and breakdown of how interest is calculated on this account.

As I stated earlier, I have NEVER received ANY information from Capital One to my above address stating that I owed this debt!

I want Capital One Bank to be fully aware that if ANY information connected to me and this debt is inaccurate in ANY WAY, I will immediately commence legal action against Capital One. Furthermore, I want Capital One to be aware that it is ILLEGAL to report INACCURATE or OUTDATED information to the Credit Reporting Agencies. If a company engages in this activity, it is a violation of THE FAIR CREDIT REPORTING ACT; which is a FEDERAL LAW. I want Capital One to know that I am asserting ALL my legal rights under this federal law as well.

Desired Resolution:

I want Capital One to IMMEDIATELY and permanently remove ALL information about this debt from my Credit Report. I also want Capital One to permanently remove ALL trade lines about this account from my Credit Report. Furthermore, I want Capital One to inform the Revdex.com, as well as me, when this occurs. I authorize the Revdex.com to act on my behalf in this matter; and to be furnished with all information that they request from Capital One concerning this account.

I am a supporter of the Revdex.com, and I thank you in advance for assisting me with this matter. If you need further information, please contact me by email or phone.

Can the Revdex.com please let me know if this is email is an acceptable format to file my complaint against Capital One.Desired Settlement: Unspecified

Business

Response:

Dear [redacted]

I’m reaching out about your complaint filed with the Revdex.com about a Capital One

account that was established in your name.

Our Fraud Department has conducted an investigation into the fraud claim and confirmed that

you are not responsible for this account. The account was opened on August 6, 2008, and it

charged off on November 20, 2009, due to delinquency. The account was placed with [redacted]

[redacted] for collections on our behalf on April 16, 2010.

On September 26, 2014, we sent a request to the Consumer Reporting Agencies (CRAs) to

remove this account from your credit profile. It may take up to 60 days for the agencies to

update their records.

In addition, we asked [redacted] to vacate the judgment against you. On October 3,

2014, the firm sent documentation confirming that the vacate request had been mailed to the

court. I have also confirmed that we have not recovered any funds from you as a result of the

judgment.

Please note that you will not receive any further collections communications regarding this

account. As noted above, you are not responsible for this account, as it was deemed to be

fraudulent. Also, the documents received by our Fraud Department relating to this account are

part of an ongoing fraud investigation. For this reason, we are unable to honor your request to

send them to you. If you have filed a police report, you can have the detective working on your

case contact us for further information. They can contact our Fraud Department at [redacted]

[redacted] 24 hours a day 7 days a week. We apologize for any inconvenience this matter has caused you. 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. ET. I’m glad to help any way I can.

Sincerely,

Consumer

Response:

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

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

Regards,

Review: My card went on a restriction term due to not being able to pay a while back. I then paid 630 dollars thinking that I would be able to use that. They then told me there was nothing they could do to lift the restriction. I believe there is more they could have done and just didn't do it.My complaint concerns: a Credit CardDesired Settlement: I want the money I paid released for me to use on the credit card.

Business

Response:

I’m reaching out to you about your concerns sent to the Revdex.com (Revdex.com)regarding removing the restriction placed on your account. We take your concerns seriously,and we’re glad to share more information about this.We’ve reviewed your account and the restriction on the account will not be removed. I haveplaced credits on the account totaling $19.00 for the Annual Membership Fee (AMF) billed onJanuary 26, 2016, and a $26.57 miscellaneous credit (totaling $45.57) to bring your account to$0.00. These credits will appear on your February 2016 statement.Our records show that on November 25, 2015, we restricted your account for delinquentpayments. We received a $100.00 mobile payment on June 17, 2015, and no payment wasreceived until a debit card phone payment for $25.00 on January 5, 2016. In addition, wereceived a $630.00 mobile payment from you on February 13, 2016.We’ve also reviewed the call to our Collections Department on December 30, 2015, in which aPromise to Pay was set up for $25.00 by January 6, 2016. However, I confirmed that that theagent did not state that a payment of $630.00 would remove the restriction.If you have any questions or concerns, please give me a call at [redacted], Monday throughFriday from 6:45 a.m. to 3:15 p.m. PT. When contacting me, please be sure to have thefollowing six digit phone PIN available: [redacted]. I am happy to help in any way that I can.Sincerely,

Review: I feel that I am being taken advantage of by Capital One Auto. There are numerous miscellaneous fees on my account that do not add up. I don't understand how I am over 30 days late on my account when I have been making payments every month. Every attempt I have made via email, phone and mail to get answers has been unsuccessful.My complaint concerns: an Auto LoanDesired Settlement: I would like a FULL explanation of the charges, broken down and the late/unnecessary charges removed.

Business

Response:

Dear Ms. [redacted],We have reviewed the situation you explained to the Revdex.com and wantto address your concerns.After a thorough review of our records, we have confirmed that the fees we assessed onyour account are accurate. Your payment transaction history indicates that youaccumulated $198.33 in late fees. After we waived $23.31 as a courtesy, you have a latefee balance of $175.02. In addition, your account also has a $390.00 repossession fee,which was assessed on April 10, 2014, as a result of your March 16, 2014,repossession. While these fees will need to be paid before we release your title, they willnot accrue interest or cause your account to be reported delinquent.In regards to your account status, we have confirmed that all payments wereappropriately applied to the account based upon the original terms of the contract andthe dates we received the payment. A review of our records indicates your account firstbecame delinquent because you did not make your November 2014 payment untilDecember 5, 2014. As a result of this, and other delinquent payments, your account is83 days past due for your October 14, 2015, payment.For your convenience, we have enclosed the payment transaction history for thisaccount. The transaction history identifies the dates and amounts of all payments wehave received, as well as all fees assessed on the account. It also shows the allocationof each payment to principal, interest and fees.As a result of our investigation Capital One respectfully declines your request to removevalid late fees from your account.While Capital One has found no errors in our handling of your account, we may be ableto offer assistance with bringing your account current. In order to so please contact ourCustomer Care Department at [redacted] to discuss possible payment options.If you have additional questions, I can be reached at [redacted]Sincerely,[redacted]

Review: refusing to to refund deposit per websites information. Website says: Required Security Deposit

$49, $99 or $200 refundable deposit based on your creditworthiness. I was told by two different representatives of CapitalOne a secured deposit will be refunded once account is closed per chat.My complaint concerns: a Credit CardDesired Settlement: Honor the information on their website or correct it.

Business

Response:

Dear [redacted]I am reaching out to you about your recent concerns filed with the Revdex.com(Revdex.com) regarding your request for a refund of your security deposit.Your account was opened on November 12, 2014, after we received your request for credit. Perthe terms and conditions of your account, we required a security deposit upon opening theaccount. We received your deposits in the amount of $180.00 on November 4, 2014, $80.00 onJanuary 7, 2015, and $20.00 on September 12, 2015. We understand you would like yourdeposits in the amount of $280.00 refunded. However, since this is a secured card, we can onlyrefund your security deposit after your account has been closed. If your account has a balance,the funds from your security deposit will be applied to the balance owed on the account and anyremaining balance will be sent to you after two billing cycles. Please keep in mind that yoursecured [redacted] can help strengthen your credit. When you make on-time payments, yourpositive credit history stays on your credit report for up to 10 years.If you have questions or concerns, please give me a call at [redacted] Monday throughFriday from 8 a.m. to 5 p.m. ET. When contacting me, please be sure to have the following sixdigit phone PIN available: [redacted]. I’m glad to help any way I can.Sincerely[redacted]

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.

Capital One still is not agreeing to thier advertisement. As I told the representatives I am not talking about my current credit card but the credit card and terms advertised. Please see below:Required Security Deposit

$49, $99 or $200 refundable deposit based on your creditworthiness As you can see below it states the security deposit will be refunded not when you close your account but when you are credit worthiness,

Regards,