Capital One Financial Corporation

Review: I sent Capitol One Services, Inc. a deposit to open a debit card account in December of 2012. I have also paid a membership fee. They have failed to activate my card. They have requested documents for proof of ownership of the account I sent the deposit from. I have faxed this information to them 3 times. The first two times they denied receiving it. The third time they said that they received the paperwork and would call me back within 24-48 hours. A month later I called and received the same reply, that they would process the paperwork and call me back in 24-48 hours. It has been another month and I've had no response other than automated billing notices. In the several phone calls I've made they said they would reverse the membership fee's that I've already paid, since I have not had access to my account. I have not received any money back, my card is still not active, and they are billing me for a yearly membership fee and adding late fees.Desired Settlement: I would like all deposits back and my account to be closed.

Business

Response:

Dear [redacted],

I've been attempting to contact you to discuss the complaint that was sent to the Revdex.com on January 8, 2014.

So that I may research 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 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 perfer, 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. I am available Monday through Friday from 11 a.m. to 8 p.m. ET. I'm glad to help any way I can.

Sincerely,

[redacted], on behalf of Capital One

Consumer

Response:

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

I have provided Capitol One with my information 4 times and have had no resolution. I just end up wasting an hour of my time each time I address this concern with them.

Review: I recently needed to pay my [redacted] down so I could keep using the card to get a [redacted] rebate on my next big purchase. I was told I could pay at the store and the check would go through in a couple days. I called the [redacted] and was told my balance was back to zero. I then went to M[redacted] to make my purchase which was declined. So the next day I called a spoke to a live person who also stated my account was back to zero and I could use my card. I then went back to [redacted] for my purchase and was declined again. So I called the [redacted] once again and was transferred to someone who told me there is up to a 12 day hold on the card. What a joke.Desired Settlement: Speed up the process and give me my 13 % rebate......

Business

Response:

RESOLUTION - CALLED CUSTOMER AT HOME PHONE NUMBER - [redacted]

** ADVISED HIS PAYMENT POSTED AFTER HE FILED HIS COMPLAINT, AND THAT HE ONLY WENT TO Revdex.com OUT OF FRUSTRATION. ** AGREED ISSUE IS RESOLVED. CREDITED [redacted] AS CUSTOMER COURTESY. CUSTOMER IS SATISFIED WITH RESOLUTION.

Review: My account has an annual membership fee which I asked to be waived. I was told over the phone that I would receive a credit within the next two to three business days. More than a week later the account was still showing a balance of $39.00 as the fee was not credited. I then sent (2) secure messages and was told that the account was not eligible for a fee credit unless the account status was closed. I sent a second message stating that obviously my business wasn't that important and to close the account. The second reply stated that I once again my account was reviewed and wasn't eligible for an account credit.

Through the automated system, I telephoned and closed account. I then asked for a supervisor and explained the situation. The supervisor re-opened the account and told me that the account would be credited in the next one to two business days.Desired Settlement: Train appropriate personnel and empower them to be able to credit accounts as necessary. The experience I received was poor and I don't want it repeated. Hopefully neither I nor other customers will have to endure this frustrating experience in the future.

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint about the service that you received when you contacted us regarding the annual membership fee on the account. I would like to try to help you with this.

I apologize for any inconvenience that you have experienced in the interaction you had with Capital One. We are committed to providing superior quality service to all of our customers, and I regret this was not the case with your concern. I've removed the annual membership fee from your account terms. In addition, I've credited your account for $[redacted], which will appear on your June 2014 billing statement.

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

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted] and find that this resolution to be more than satisfactory. I appreciated the two phone calls and the $** credit to my account.

I consider the issue resolved and closed.

Regards,

Review: I call them for close me account some time last year.latel they send me the bill for 87.00.they told me this is the final bill.Which ipaid it.After that they are keep sending me bill for differant amounts.Icalled them many time to tell them why they are sending me the bill every month,even I closed the account.they told me they will give me the credit.And then they send me another bill for 142.34.I called them again if they didn't stop this I will contect with Revdex.com.Now they send me another bill for 142.34.

Business

Response:

Dear [redacted], I’m reaching out to you regarding your concerns to the Revdex.com (Revdex.com), about the servicing of your account, and information we have reported to the Consumer Reporting Agencies (CRAs). I understand there is confusion in the way we handled your account balance, payments, and fees. I’m sorry to hear about the inconvenience you have experience while trying to resolve this. We completed an investigation and found no errors in the way your account was handled. I would like to share the details of this: Your April 2015 billing statement showed a balance of $94.64, with a minimum payment of $87.00 due on May 24, 2015. On May 27, 2015, we received your minimum payment for $87.00. As the payment was received after the due date, your account was charged a $35.00 past due fee on May 25, 2015. Your new balance was $43.58, with a $25.00 payment due on June 24, 2015. As no further payments were received, the account continued to be charged past due fees and interest charges. Please accept this letter as confirmation that your account was closed on April 4, 2015. We also credited your account $143.05 to remove the outstanding balance. As October 15, 2015, your account has a zero balance. We also sent an update to the CRAs to remove the delinquency from your credit profile for the months of July, August, and September 2015. Please allow these agencies up to 60 days to update their records. For your reference the control number for this update is [redacted]. 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

Review: illegal repossession of car, making payments that were not going toward the balance, when I questioned them as to when I should be current, the car was repossessed. They stated that it is going to be sold and I could be responsible for the balance.Complaint concerns: an Auto LoanDesired Settlement: Zero balance owed.

Business

Response:

Dear Ms. [redacted],I am writing you today regarding the situation you explained to the Revdex.com, and your request for Capital One Auto Finance to update your account ending in -[redacted] to show a zero balance.After a thorough review of your account, our records indicate that we adhered to our policies and all applicable requirements in the repossession of your vehicle. We sent you a Notice of Default and Right to Cure letter dated November 14, 2014, a letteroffering help with reinstating your vehicle dated December 15, 2014, and an Explanation of Calculation of Surplus or Deficiency letter dated January 12, 2015 (copies enclosed).We reviewed our records and confirmed that all of the payments you made were properly applied to your account. At the time of repossession, your account was 94 days past due. During the history of your account, the account was 30 or more days past due 22 times, 60 or more days past due 17 times, and 90 or more days past due 12 times. Additionally, we verified that you made several attempts to secure extensions and bring the account current during November 2014 and December 2014. You failed to make the second required payment on December 9, 2014, as instructed, to complete the processing of the extension you had requested on November 21, 2014. While you ultimately failed to make this required payment on December 9, 2014, Capital One would like to offer you a settlement on your remaining debt as a gesture of goodwill. We will offer to settle the remaining debt for a total payment of $1,654.87. This offer is valid for 30 days from the date of this letter. To accept this offer, please call me at [redacted]

[redacted], and I will assist you with completing this transaction.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,[redacted]Office of the President, Financial ServicesCapital One Bank, N.A.

Review: I had a credit card with capital one

My account was restricted and I had requested them to close my account but capital one did not close my account and applied annual fee to the account which I was not aware ofl. The account went past due for 2 months in june and july and is till being reported to the bureau as late.

I kindly request Revdex.com to let capital one correct my account reflected on the my credit report as never late or removed from my file entirely.

ThanksDesired Settlement: I want capital one to remove late payment history from the credit reports.

Business

Response:

Dear [redacted], This letter is in response to the request you sent to the Revdex.com (Revdex.com) about your secured credit card. We are honoring your request to remove the past due reporting for this account. I have provided details below. After a thorough investigation into the facts and circumstances of your case, we made the decision to remove the past due payment history from your credit file as requested. An update has been submitted to the Consumer Reporting Agencies (CRAs) to remove the past due reporting for June and July 2013. The confirmation number for this request is [redacted]. Please note, it may take up to 60 days for the agencies to update their records. Our records show that this account was opened on March 20, 2012. On January 29, 2013, the account was restricted due to possible fraudulent activity. On September 19, 2014, the account was closed because the balance was due only to fees and interest that were charged. After the account closed, we sent a request to the CRAs to remove the past due reporting for October 2013 through September 2014. We have confirmed that the account is not being reported as past due for those dates. The account is currently being reported as closed by the consumer with a $0.00 balance. When the CRAs remove the past due reporting for June and July 2013, there will be no negative reporting for this account. Thank you for your patience while we were addressing your concerns. If you have any other concerns, please give me a call at 800-955-1455, Monday through Friday from 8:30 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 any way I can. Sincerely, [redacted], on behalf of Capital One

Review: I scheduled a payment of 120 dollars to be paid on May 23rd 2013 to Capital One from my checking account. This morning May 28th 2013, I had to pay a bill in the amount of 202 dollars to [redacted]. When I checked to see which card I was going to use, I had enough money in my checking account and not enough on my credit cards, so I paid the bill with my checking account. About an hour later, I recieved an email alert saying that 120 dollars came out of my checking account paid to capital one. This trans action, will make my transaction that I did with my [redacted] card go over drawn. If they would have took the money out when I set up the payment back on the 23rd, I would have used my capital one card to make the payment and not have this issue.Desired Settlement: I need this money refunded today, so my bank account will not go over drawn. If my Bank account does go over drawn because of this issue then they need to pay the over draft fee as well, because when I called them, they first told me that there was nothing they can do, and then they said it would be a 3 day process before they can do anything about it.

Business

Response:

We have explained to our

customer the payment process, credited a $** cash advance fee, and advised that

the payment of $[redacted] returned for not being authorized.

Review: I deposited several checks that are not in my name into my account and they cashed those checks and kept the money. I have been trying to work with them for the past week, and they are giving me the run around.Desired Settlement: just retun my money. thats it

Business

Response:

Dear Mr. [redacted],We reviewed the concerns you expressed to the Revdex.com (Revdex.com) regardingchecks deposited into your 360 Checking and wanted to follow up with you.After reviewing your account activity, we found that many of your check deposits were returneddue to insufficient funds and the fact that the checks weren’t made payable to your name. As aresult, the decision was made to end our business relationship with you, and you’ll be unable toopen new accounts going forward.We confimred that your 360 Checking was closed on February 10, 2016. The remaining balanceof $234.54 was sent to your mailing address on file. You can expect the check to arrive 5-7business days from the account closure date.If you have any additional questions, please reach out to our Customer Security Team at [redacted]

[redacted]. Associates are available Monday – Friday, 8 AM ET – 11 PM ET, and Saturday, 8AM ET to 6 PM ET.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: I reported several times that my identity was stolen last year. I still receive harassing phone calls a year later from Capital one. I don't know the account but I do know it ends in 7823. The amount is 119.71. The credit limit is 500.00.Desired Settlement: Leave me alone

Business

Response:

Dear [redacted]I’m reaching out to you about your complaint to the Revdex.com, in reference to yourconcerns of identity theft that you indicated occurred last year and the calls you were receivingabout your above-referenced account. It is my understanding from your complaint that you aredisputing this account as a fraudulent account. We would like to try to help you with this.Our Fraud Department has reviewed your fraud claim, and we have validated your debt andconfirmed that you are the responsible person for the account. We have attached a copy of ourprevious response from July 8, 2014, for your convenience. This account was opened onDecember 11, 2007.We have found multiple links to confirm the account was opened by you.The address and phone numbers listed on the account were linked to you through publicrecords and appear on your Revdex.com complaint. In addition, statements were mailed to the addresson file, and we have no record of receiving returned billing statements or other mail that we sentto this address through the [redacted]. I have enclosed the statements from February2014, to October 2014, for you.The account became delinquent beginning in April 3, 2014, after minimum payments were notreceived by the due dates disclosed in your statements. This resulted in the account beinghandled by our Collections Department. They tried to reach you to discuss payment optionsand to collect the balance owed. The account charged off on October 17, 2014, with a balanceof $191.30.I understand that you would prefer that we not call you to collect on the account. In response toyour request, we have placed a cease and desist status on your account, and you will no longerreceive collection calls from Capital One regarding your account. We will continue to send billingstatements and any legally required written communications to you.If you would like to discuss settlement options feel free to contact our Recoveries Department at [redacted] Monday through Friday from 8 a.m. to 9 p.m.ET. Please note that if you wouldlike to discuss settlement options, you will need to agree to remove the cease and desist statusfrom your account for purpose of discussing possible settlement options Please note that we have placed a dispute code on your credit report for your above-referencedaccount. If you have any questions about how this may affect your credit file, please contact thecredit agencies directly. To assist you, we have provided the following names, addresses, andtelephone numbers for the Consumer Reporting Agencies below:[redacted]

[redacted]If you have additional concerns, please give me a call at [redacted], Monday throughFriday from 10:30 a.m. to 7 p.m. PT. I’m glad to help any way I can.Sincerely,[redacted]

Review: I called Capital One - no one can help me. I became a member in March 2014. I requested the call strictly because of the commercials - no black-out dates for flying, no specific airline (the commercials had Alex Baldwin and now Jennifer Garner). I called Capital One and asked for that card SPECIFICALLY. I wanted it strictly for the miles. They asked even what I wanted to appear on the card, and I said a tropical beach, because that's my goal. And, I used the card . Now, I just tried to redeem my miles and was told that the card was not one where I can redeem my miles. I feel that it was pure fraud. Bait and switch. They will not give me anything for my existing miles which are in the thousands.My complaint concerns: a Credit CardDesired Settlement: I want Capital One to honor the miles that I was promised when I first joined. If not the miles, than I want money $400+ in order to book a flight from Providence to Newport News, Virginia, in October. I feel I was totally ripped off.

Business

Response:

Dear [redacted], This letter is in follow-up to our conversation about your concerns to the Revdex.com (Revdex.com) regarding the rewards program on your account. I would like to share my findings with you. Per our conversation on July 21, 2015, we reopened your account, and upgraded your account to a Venture card. You will be earning 1.25 miles on all of your net purchases. However, your new rewards earning will not start until 5-7 business days from accepting the upgrade. Your current card is valid until you activate your new credit card. Additionally, we added 20,358 miles to the account. This amount was calculated based upon the life to date spending on the account which totaled $16,286.57. As discussed previously on July 13, 2015, the credit card account that you applied for did not have any type of rewards program. You told me that you had applied over the phone. I was unable to locate a call where we had processed an application over the phone. However, I do show that the account was opened on March 4, 2014, after we received an online credit application. Please be advised that your Welcome Kit states that with the Capital One Image Card, you’re able to redesign your card as often as you like. Just visit us online at capitalone.com/imagecard. I have also enclosed a copy of your Welcome Kit for your review. On July 10, 2015, you contacted us requesting to redeem your miles. We advised you that your account is not currently enrolled in a miles rewards program. We also advised that we are constantly making new options available, so you can always check back to see if new offers are available on your account. Since the account was not on a rewards program, you requested to close the account and we did so that same day. When applying for the credit card online, a disclosure is provided, and may assist in helping to make an informed decision prior to accepting the terms and conditions of the account. Prior to completing the online application, the terms of the account that are disclosed must be accepted. We found no error in the servicing of your account. Capital One complies with all applicable laws and regulations. © 2015 Capital One. Capital One is a federally registered service mark. All rights reserved. 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

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: On October 16,2013 I went on their website and paid my balance in full well before it was due. I talked to them several times on the phone and they had assured me my account would be closed as I requested after I paid the entire balance ($1579.69) On Friday Nov 1, 2013 I opened my mail from them and it says I owe them $17.35. I went to the online chat on their website and asked why I am being billed when it is paid off and supposed to be closed? Their representative told me I would have to pay that for three months and then acct would be closed. I told her I had paid off and closed two other credit cards in October along with theirs and neither of them had done this to me. I told her it was bogus and I am contacting the Revdex.com.Desired Settlement: I request my account be put to zero balance and closed immediately.

Business

Response:

I spoke with the customer and we credited the interest and the account is closed. The customer was satisfied with the results. No further actions are required.

Review: capitol one (card services) [redacted] a company put charges on my credit card , the card company and I talked to them , they admitted I dident authorize the charge BUT the credit card company says I have to pay it any way . I have not because I put in for fraud and it went to my credit report for delinquent payment . I am more than mad ! how can I get rid of this mess ???! Product_Or_Service: diet pills / I dident order Order_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund I want my my credit card reimbursed for every penny owed due to this fraud and the extra costs it uncured .I closed the account as soon as this happened but cant get rid of all of this mess.

Business

Response:

We have responded to the cardmember by mail on October 29, 2013. The matter has been resolved in the cardmembers favor.

Review: I received a credit card in the mail and destroyed it because I did not want it. The company calls my home leaving messages for me. I finally call them back and they ask me if I received the credit card I requested. I thought they were with [redacted] company regarding several gasoline cards I had applied for. So I told them no I didn't receive the cards yet. I received this capital one card again and destroyed it as I never applied for a capital one card. I receive a bill from capital one for $100 past due relating to this account that I never applied for. I called and requested this to be removed, I destroyed the card as once again I never applied for it. They told me I would receive a letter in 7-10 days. That was two months ago. I called again. The same response given 7-10 days to clear. These people are calling my home minimum 5 times a day. I want this stopped. They should not be allowed to send credit cards in peoples name and open accounts when calling to verify receipt of such credit card. This seems like fraudulent way to deal with people.Desired Settlement: All charges for this credit card be removed. The credit cards were destroyed both times they were sent. This is a very dangerous scam. What if someone got my mail and opened this account since they are sending credit cards to people who never applied for them. The phone calls need to cease.

Business

Response:

We have called the client several times along with sending him an email with information to contact us but have recieved no response. We need to speak to the client. We are unable to locate an account for him. Please have the client call us at [redacted] ext.[redacted]. Customer satisfaction inconclusive.

Review: I signed up and received the Capital One [redacted] Card in August 2014 with the promise that if I spent $500 in the first 3 months, that I would get an extra $100 bonus in cash returns. I spent $641.36 on my card in September and fully paid off that balance in October before the due date. I have attempted to contact Capital One about this issue but the credit card department transfers me to the rewards department, which then transfers me to the banking department which then transfers me back to the credit card department.Complaint concerns: a Credit CardDesired Settlement: I would like the $100 bonus added to my card like promised.

Business

Response:

[redacted]This letter is in follow up to your Revdex.com (Revdex.com) complaint submitted on April 6,2015, regarding your account rewards.I have researched your concern, and added $100.00 to your rewards account. This adjustmentwas made on April 14, 2015, and you can see this reflected in your rewards accountimmediately.Our records show that your account was established on June 2, 2014. I found that in order toearn the $100.00 reward bonus, $500.00 in net purchases, (purchases minus any returns),would need to be made by September 2, 2014. The first purchase on the account was not madeuntil September 7, 2014, and the total purchase balance did not reach $500.00 until September14, 2014. We apologize for any frustration this may have caused.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.

Consumer

Response:

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

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

Regards,

Review: Capital One has made harassing phone calls to my home for 3 days (minimum of 3 calls a day). They hung up many times after I said "hello". Several times the callers asked for me by name and when I asked who was calling, they hung up. I tried calling the number back with no luck. I contacted my local police department with no luck. On day 2, I had to take my phone off the hook. On the third day, a caller identified herself as a representative from Capital One. The call was regarding an underpayment (honest mistake), not non-payment. If any of the previous callers had identified themselves as representatives of Capital One regarding my account, I would have rectified the situation on day one. Capital One also has my email address and could have contacted me via email to inform me there was a problem.Desired Settlement: Capital One needs to change their collection policy. A person with an excellent credit rating should be given the common courtesy of a polite phone call and an opportunity to rectify an honest mistake.

Consumer

Response:

To Whom It May Concern:

Review: In March of this year I paid off the entire balance of my capital one credit card. On that date I was assured by two separate individuals at the customer service department that the entire balance was paid off and there would be no future bills sent to me by regular mail or email. Because it was a rewards card, I was told I had to close the account and have them send me a check for the rewards. I received a confirmation number of 53774659. This was the confirmation number I requested to prove that the account was paid in full and my rewards check would be sent to me and there will be no further billing cycles or bills applied to my name and my account. this was verified by a second customer service service representative. Soon thereafter I received a bill in the mail stating that The account was closed however I had an outstanding balance of some $15 and change. I wrote a letter and replied in the regular mail stating my confirmation number and the date I had made the account balance total of zero dollars in the account was officially closed I also mentioned that I was assured by two separate customer service representatives that our business was concluded and I had a zero balance and would not hear from them again. I also emailed them advising the same. However as of today ,April 4 ,I received another email stating that my balance once again was due and the balance was now $30. so once again I replied to the email and was able to open a chat forum by way of [redacted] messenger discussing my complaint. I explained in minute detail my proof that the balance was zero dollars and supplied them with the confirmation number I was provided by their customer service representatives(2 of them) and that I had considered the matter closed for sometime now,however if I was harassed any further I would be filing a complaint with the Revdex.com. I advised them that the matter was closed and I told them I would be paying them no further monies per said confirmation number.Desired Settlement: The settlement description is as simple as this.. I owe them no money and I will not be harassed any further. I would like to post a formal complaint for unprofessional business practices and unfair additional charges due to their mistakes with keeping accurate records. I warned them multiple times that if they persisted I would file a formal complaint and their answer was they could not resolve the issue and the proof that I provide to them was insufficient.The very #that they provided me!!

Business

Response:

[redacted]I’m reaching out to you about your complaint with the Revdex.com (Revdex.com), regardingthe servicing of your Capital One account. We appreciate your feedback and I would like toshare the status of this.Please accept this letter as confirmation, that your account with Capital One is closed, and youhave no outstanding balance with us.We completed an investigation and found that the agent that assisted you on March 3, 2015,provided you with inaccurate information. The agent gave you a payoff amount of $244.86(which you paid that day), but he forgot to include all transactions for that billing period in thecalculation.We have corrected the error and credited your account for the extra $19.09 pending interestcharges that your account accrued on March 6, 2015. This credit reflected on your April 6, 2015,statement. We also provided the neccesary coaching and feedback to the agent to prevent thisfrom happening in the future.I have also removed your name and e-mail address from our mailing list. However, you mayneed to do this for any variation in the spelling of your name or address. Please allow 30 daysfrom the date of this letter for all mail from us to stop.If you have additional questions, feel free to call me at [redacted] Monday through Fridayfrom 11:30 a.m. to 8 p.m. PT. I am glad to help any way I can.Sincerely,

Review: Capitol One is falsely reporting negative credit information to the credit bureaus. This has caused me to drop 111 points on [redacted] and has disabled me from getting a loan that is needed to purchase a required item. I am not a customer of capitol one, and they are claiming that I am an authorized user to an overdue account. I have no knowledge of this account that I am an authorized user on nor does capitol One. Every time I ask for info they are unable to find this account and cannot remove me. They are however able to see it hitting my credit report. I will lose the deal due to lack of financing. This deal could be made on another date if purchased from a business, but it is being purchased from an individual. The individual will sell to the next person with funding. The deal being lost will cause me a loss of money having to purchase a more expensive item and potential lost wages. I have tried to reach out to capitol one with little success. I have talked to 8 people total and no one can find me in any systems and cannot explain why they are reporting negative information. I have filled a dispute with [redacted] and formal complaints and will continue to do so until an explanation can be given and a settlement made.Desired Settlement: A detailed explanation and proposal for reimbursement for lost deal.

Business

Response:

Dear [redacted]This letter is in follow-up to your concerns to the Revdex.com (Revdex.com) regardinginformation we’ve reported to the Consumer Reporting Agencies (CRAs), like [redacted] and[redacted]. Thank you for taking the time to speak with me.I’m sorry for the frustration that you may have experience regarding this. Per our conversationon April 13, 2015, I confirmed with you that you were working with my peer, [redacted],on this. On April 10, 2015, she faxed a letter to your bank advising that we sent a request tothe Consumer Reporting Agencies (CRAs) asking them to remove the account from yourcredit profile. It may take these agencies up to 60 days to update their records.Additionally, you advised me that you recognized the account, and were aware that you were anauthorized user on the account. I also confirmed with you that you had no further concernsregarding this matter.If you have additional questions or concerns, please give me a call Monday through Friday at[redacted] from 8:30 a.m. to 5 p.m. PT. I’m glad to help any way I can.Sincerely,[redacted]

Review: I have been receiving mailers from Capital One since the beginning of 20014, at first I would just throw them away, but then they started coming twice, sometimes three times week. I wrote on them, "RTS, Return to sender, Remove address from mailing list," but that just got them to send more. My first phone call to the company was on February 10, 2014 at 04:57PM MST. I also spoke to someone via [redacted] that same day, asking them to remove my information from their systems. Since then I have been getting two mailers/advertisements a day. I keep sending them back, "RTS, Return to sender, Remove address from mailing list." I called Capital One again on, February 15, 2014 at 02:45PM MST, to remove my information from their systems. Again I am still getting advertisements from the company, some just once a day, others twice a day.Desired Settlement: I would like politics to be changed. I never contacted Capital One, so I do not know where they got my information from, but the first ten advertisements that were sent back, "RTS, Return to sender, Remove address from mailing list," they should honor the request. The first phone call that is made, I would like them to honor the request.

Business

Response:

Dear [redacted],

We were actually notified by the Revdex.com of your concerns about receiving our offers in the mail. We value your feedback, and we're glad to share more information about this.

Our records show that you contacted Capital One, via our Social Media channel on February 10, 2014. During this contact, an opt-out request was submitted utilizing the name and address information provided during the communication with our company. We wish to note that if your name was previously selected for any of our upcoming mail promotions prior to this request, it is possible for you to receive information from us over the next several weeks.

Please note that Capital One receives names and addresses from a number of industry sources, including consumer reporting agencies and a variety of lists purchased from other vendors. Should you feel this may be a recurring issue in the future, there are several other methods of asking not to be solicited by other companies. You can write or call the consumer reporting agencies and request that they remove the name, as referenced in your correspondence, from marketing lists they provide. You can also request information form the Direct Marketing Association (DMA) about being including in its Mail, E-mail, and Telephone Preference Services, which is used by over 5,000 companies the exclude individuals from certain marketing efforts in accordance with their request.

If you have additional questions, feel free to call me Monday through Friday at [redacted], 8am to 4:15pm ET. I'm glad to help any way I can.

Sincerely,

[redacted], on behalf of Capital One

Consumer

Response:

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

I did more than just contact Capital One via Social Media. I have made phone calls, and sent back the mailers with, "Take off mailing list," written on many of them, while others had, "Do not contact," written on them. Capital One needs to have a better system for when mail is returned to them with these types of messages written on them.

Regards,

Review: I was approved for a secured card with capitol one. I made my deposit and was later told that I paid to late and a refund check was being processed. After a month passed still no refund check I called daily speaking to numerous reps about my check. Several dates were given of when I could expect my check, but it never came. Then I was told the application wasn't approved, then I was told the check was on its way, then I called corporate office only to be transferred hundreds of times. Finally when I called today a rep said it had never been processed. I just want my money before I be pushed to take legal actions

Product_Or_Service: secured cardDesired Settlement: DesiredSettlementID: Refund

I want my refund processed immediately and to speak with a supervisor in the check processing dept

Business

Response:

Our customer is concerned with the time it took to receive a refund of a deposit thecustomer made in order to establish a Secured card account. Our research shows that arefund check in the amount of $100.00 was processed on November 4, 2014, and wouldtypically take 10-14 days to receive the deposit. Due to the urgency of the customer’ssituation we cancelled the check processed on November 4, 2014, and processed anACH refund to the customers checking account used to make the deposit on November7, 2014. We advised the customer that we have expedited her refund by ACHprocessing and informed 1-2 business days to see funds in her checking account. Wealso apologized for any inconvenience this issue may have caused. Our customer wassatisfied with this 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 reported my credit card froud and requested to resolve to Capital One, however they did not accepted to resolve my claim eventhough Capital One's $0 froud liability promise.Total froud amount is $972.72.Desired Settlement: resolve the all froudulent activity my account.

Business

Response:

We have reversed the rebill of the transaction in questions, waived two interest charges, and credited a late fee back to the account.