Capital One Financial Corporation

Review: disputed a fraudulent charge by [redacted] and they re billed me and capital one told me they would send me mail asking m e for documentation and what the vendor said so I can dispute it, they never sent anything and called them shortly after labor day just to be told im supposed to send all the documentation by the 8th and they would resend the mail out to me and said it would take 10-15 business days which wouldn't help me with the due date and refused to push it back and then claimed to say I would get it in the mail on the 5th or 6th which I haven't and now im forced to pay the fraudulent charge to keep my credit score high, despite the fact I can prove its a fake charge.Desired Settlement: full refund of $415.27

Business

Response:

Dear [redacted],

I'm reaching out to you about a concern brought to our attention on September 11, 2014, about the disputed transaction from [redacted] in the amount of $415.27.

Our record reflect on July 28, 2014, you initiated an online dispute and received a provisional credit on your account of $415.27. On August 18, 2014, your account was rebilled the amount of $415.27, as the merchant provided documentation to support the charge. At this time, we sent a letter to you with the supporting documents enclosed. In this letter, we requested a response from you by September 8, 2014. I've included these documents with this letter.

On September 4, 2014, you contacted us to inquire about the transaction being reapplied to your account. We informed you of the information we received from the merchant and explained why the charge was applied to your account. At this time you advised us that you had not received the documents. We assisted you by mailing the information again. Unfortunately, we were unable to extend the response date as the address we had on file was correct.

We did not receive a response from you by September 8, 2014, and consider this case closed. We have confirmed that the transaction in dispute is a valid charge which you are responsible for.

If you have any additional questions or concerns, please call me at [redacted], Monday through Friday from 10:30am to 7pm PT. 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 was assured I would get the required documentation by September 5th or 6th in the mail, not September 111th which is 3 days after the due date to send in required documentation/. how is it my fault I was a victim of fraud not only by [redacted] but my own credit card company? not to mention their actions breached a contract with me by the dates I was told as to when I would see the paper work, not to mention this is negligence on their behalf. not even my signature with dish network and have solid proof to dispute it.

Regards,

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: Six months ago I address the same issue with Capital One and again it is an issue. They stated they report to the credit bureaus each month, however [redacted] which is their preferred credit agency states that C1 has not report on my credit history since June 2014. When I tried to address the issue C1 stated the would direct me to the credit department. In turn I received a email stating nothing has change with my credit report. However, how would they know since they haven't reported me in seven months? N/R on a credit report from transunion means not reporting. If I had been late they would have reported me each month. They have report that I am paying on time. When I try to send a secure message to get help I am told that they can not locate my account even though I am physically log into my account in order to send a secure message. This has occurred four time in the last three days of trying to get someone to simply help me resolve this on going issue. There credit tracker which is run my transunion is suppose to be a selling point but that is also inaccurate.Complaint concerns: a Credit CardDesired Settlement: I would like someone to address the issue and speak to [redacted] directly if need be to get this straighten out. I want them to report on my pay history for the last seven months. Just as if they are expected to report negative behavior they should be reporting positive also. I would like once this has been corrected that I receive something in writing stating that this has been resolved. I would also like to know what is going to be down to correct this issue from happening again.

Business

Response:

Dear [redacted], I am writing in response to your complaint filed with the Revdex.com (Revdex.com) about the above account reporting to your credit profile. I attempted to speak with you by phone about your concerns; however, I was unable to speak with you. I appreciate the opportunity to review and respond to your concerns. From your complaint, I understand that the above account is not showing on your [redacted] credit file. I have confirmed that we are reporting information on your account status, balance and payment history to [redacted] each month. Capital One is responsible for reporting accurate information to the Consumer Reporting Agencies; however, we do not have control over what the agencies do with this information. While verifying this information, we found that there is a dispute code on the account with [redacted]. If you would like to have this dispute code removed, you can contact [redacted] directly at [redacted]. If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 4 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.

,The issue isn't that you have never reported me, the issue is that you have reported me since Oct 2014. That was confirmed by [redacted]. They have stated that the creditor which is you, Capital One needs to contact them to correct the problem.I re-ran my credit report and it still has not been fixed. I can not coordinate your business dealing with [redacted], I have been told by Capital One several times that you report each month.However, [redacted] is stating that is not being done. Someone needs to physically make a phone call to [redacted] and get this problem fixed. Its unfair that how far this has to go to get resolved.

Regards,

Review: I now reside in Wisconsin which is out of Capital One's footprint. I have made four phone calls to Capital One to attempt to redeem a certificate of deposit. I was (apparently) misdirected on the first three phone calls. The final phone call, Carla at the West Creek branch informed me that my only option to redeeming the CD was to write a letter, have it notarized and mail it to her. I offered to fax my ID to the branch but Carla refused. When pressed, Carla gave me the "option" of emailing the notarized letter to her. Capital One, as an international company, must have better processes in place for servicing out of footprint clients. They are essentially holding my money hostage.My complaint concerns: a Banking Account (Certificate of Deposit)Desired Settlement: I want Capital One to redeem my CD and mail me a check.

Business

Response:

Dear Ms. Wotapka: We are writing in response to the complaints that you filed with the Consumer Financial Protection Bureau (CFPB), Office of the Comptroller of the Currency (OCC), and the Revdex.com (Revdex.com), regarding your request to close your Certificate of Deposit (CD) account ending in [redacted]. As explained during our phone call on June 19, 2015, regrettably, we incorrectly advised that your CD would automatically redeem upon maturity, on June 11, 2015. We have provided coaching to the associates you spoke with to ensure similar situations do not occur in the future. On June 18, 2015, we closed your CD and mailed you a check in the amount of $1,061.67. We are glad we were able to accommodate your request without the need to visit a local branch. Again, we regret any inconvenience this matter has caused you. If you have any additional questions or concerns please contact me directly at [redacted] ext. [redacted]. I am happy to help in any way that I can. Sincerely, [redacted]

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 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: My husband and I purchased tickets for a football game through a third party. The game was cancelled due to weather issues. I contacted the third party and inquired about receiving a refund. They agreed and said it would take a few days. After a week or so of not seeing the refund in my capital one account we contacted the third party and they said that on September 10, 2015 the refund was sent to capital one. They said we should contact our bank because apparently they were holding the refund. We did that and capital one said they had never received the refund and that we should contact the third party again. The third party insisted we resolve the issue with capital one. Capital one said we should file a dispute transaction claim. Capital one gave us a provisional credit for $127. On December 14, 2015 capital one withdrew $127 from our account. We called and they said the third party had sent them documentation stating they do not give refunds due to inclement weather. I then called the third party and they said that's an absolute lie! I have multiple emails from the third party stating that yes we would be receiving a refund. According to capital one there is nothing else for them to do. We've sent them more paperwork showing the refund the third party sent to them. Now we are just waiting. We have bills and that money is intended for those bills. We are very dissatisfied!Desired Settlement: I'd like capital one to put the $127 back into our account. As I stated that money is for bills and its money we worked hard for.

Business

Response:

Dear Ms. [redacted]:We reviewed the concerns you expressed to the Revdex.com (Revdex.com) regarding arecent debit card transaction dispute and wanted to follow up with you.We confirmed that your account ending in [redacted] was debited for the amount of $127.70 on May15 by [redacted] Stadium Tix. A claim was filed on October 7 to dispute the transaction; however,during the investigation we received written confirmation from the merchant stating that all salesare final and non-refundable. As a result, the temporary credit that was placed in your accounton October 8 was reversed on December 14.We also confirmed that the documents you submitted from the merchant do not match thetransaction that was disputed. The documentation you sent shows a transaction for $132.79 onDecember 21, 2014 from [redacted] and the last four digits of the card used does not match aCapital One debit card. The transaction you disputed with us was for the amount of $127.70 onMay 14, 2015 from [redacted] Stadium Tix.Based on the above, we respectfully decline your request for reimbursement. We recommendthat you contact the merchant to obtain additional refund options.If you have any additional questions on this, please reach out to us at [redacted]Associates are available Sunday-Saturday 7 a.m.-11p.m. EST, 6 a.m.-10 p.m. CST.Sincerely,[redacted]

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.

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: 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: I have had a [redacted] credit card for around 20 years. Now all of a sudden Capital One takes over the account. On my last statement I have a $29.00 customer fee. I am told its to cover if I need unathorized charges protection etc. by email from a representative. The problem here is my credit card agreement with [redacted] I wasnt charged a fee for this. I have never paid an annual fee on that card. My daughter has a Capital One credit card and she doesnt have any annual fee. I want the $29.00 refunded and I do not want to ever be charged a customer fee again! I dont own a single credit card that has an annual fee and wouldnt get one that has an annual fee. You are making enough off me already with interest!Desired Settlement: I want the $29.00 refunded and I do not want to ever be charged a customer fee again!

Business

Response:

Dear [redacted]

Your complain to the Revdex.com was forwarded to the attention of the Executive Office for response. You state that this account had not been charged an Annual Membership Fee (AMF) prior to this year. Please allow me to address your concerns.

As a courtesy, we have credited the AMF of $29.00. This credit will appear on the July 2014 billing statement.

We have received the history of this account and have found the AMF has been billed each year since at least 2003. For your review, we have enclosed copies of statements for this account, from June of each year between 2003 and 2013. Please note that for this June 2010 statement, the AMF appears to be billed twice, on May 31, and on June 11. However, the AMF from May 31 was credited. That credit appears as ADJUSTMENT-PURCHASES.

We appreciate the opportunity to address your concerns. If you have additional questions, you may contact me at [redacted]. I can be reached Monday through Friday, between the hours of 8:30am to 4pm ET.

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 contacted Capital one with regards to my payment history between 2008 and 2010. Capital One did an investigation and issued a letter stating that I had No Late Payments in those 2 years. I forwarded this letter to the credit bureaus. The bureaus contacted Capital One and added 6 late payments to the year 2008! Apparently capital one lied to me and told the credit bureaus something different! This is unacceptable behavior! As a result of this my scores have dropped almost 100 points!Desired Settlement: Since capital one sent a letter stating I had no late payments they should honor that, They should make changes to this account to reflect what they sent me. Because the letter they sent me was after they had done their investigation. In other words they should delete all late payments if present between 2008 and 2010 as per letter they sent me.

Business

Response:

Dear [redacted]I’m reaching out to you about your complaint to the Revdex.com about informationwe’re reporting to the Consumer Reporting Agencies (CRAs), like [redacted] and[redacted], for theaccount ending in [redacted]Our records show that we were reporting the account ending in [redacted] accurately as settled aftercharge off. However, we’ve made a business decision to submit a request to the CRAs toremove the account from your credit profile. The request was submitted on November 5, 2014.It may take up to 60 days for the agencies to update their records. Below is additionalinformation about this matter that we hope that you will find to be helpful.You had two credit card accounts with Capital One: one ending in [redacted] (which was settled afterit charged off), and one ending in 3583 (which is open and current as of the date of this letter).The letter, dated September 23, 2014, indicating that there was no late reporting for the monthsof October 2008 to January 2010 was regarding your account ending in 3583 as noted on theletter (not the account ending in [redacted]).I apologize for any confusion that may have resulted after you chatted with one of our agents onSeptember 21, 2014. In review of the chat transcript, you verified 3583 as the last four digits ofthe account number in which you were inquiring upon.Please note that we did not add additional delinquencies to your payment history for accountending in [redacted] when we received the credit dispute. We confirmed that the account wasreporting accurately as settled after charge off. If you have any questions or concerns, please give me a call at [redacted], Monday throughFriday from 8 a.m. to 4:30 p.m. PT. I’m glad to help any way I can.Sincerely,[redacted]

Consumer

Response:

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

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

Regards,

Review: 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 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: 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: 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 paid the outstanding balance in full prior to any fees being charged. Confirmed paid in full then a few days later a fee of $15.00 was charged plus every month interest is being applied. I have written for several months without any resolution. I had problems with this company since the beginning so I choose to close the account, make payments, once paid in full to completely sever ties, however; despite all attempts, nothing! This company is rude, demanding and lacks the ability to understand the account was paid in full then decided to charge a fee against a zero balance.

Product_Or_Service: credit card service

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

reverse the fee charge and interest accured on the account. Make sure this is updated on the credit report to reflect not a negative event and then go away for ever to never offer their business to me again!!!! NEVER!!!!

Business

Response:

We have responded to the cardmember by mail on May 30, 2013.The matter has been resolved in the cardmembers favor.

Review: I have cancelled my Capital One credit card numerous times. Due to a home purchase it was closed in May of 2011. Since then, I have had to close it numerous times. The last time I called Capital One, two months ago, the head manager said it was closed. Today I received checks from my open account along with a statement and service charge!Desired Settlement: Close my account and to MAKE SURE MY CREDIT WAS NOT AFFECTED

Business

Response:

The customer requested we close

the account and confirm it is not reporting negatively to the consumer

reporting agencies. The account was already closed with a zero balance and is

reporting as closed by consumer with no negative reports.

Review: I identified an unauthorized charge on my credit card account on Feb, 2013. I disputed this charge right away. The credit card company credit the amount back at that time. However, the credit card company charged it back on March, 2013. They sent me a mail with a copy of receipt of this transaction, which was a [redacted] service on 1/20/13 in Toronto. I was not at Toronto on 1/20/13, and the signature on the receipt was fake. So, I faxed a letter to the credit card company claiming that I had never received such service and never signed the sales slip. It was a fraud charge. I also provided a copy of my driver's license, which shows my signature. The credit card company asked me to wait for 90 days for the investigation and had never contacted me again regarding this issue. I contacted the credit card company on 8/18/13. The respresentative asked me to contact the [redacted] company myslef to get the money back.Desired Settlement: The credit card company credit me back the unauthorized charge.

Business

Response:

Dear [redacted]:

I'm reaching out to you about your complaint to the Revdex.com in regards to an unauthorization charge from [redacted] & [redacted] for [redacted], on February 3,2013. We would like to try to help you with this.

[redacted], please accept this letter as confirmation that the unauthorized charge with [redacted] & [redacted] was resolved in your favor. Our Fraud Department will credit the account for [redacted]. This will be a permanent credit, and should reflect on your September 2013 billing statement.

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 Excutive Resolutions

Capital One

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: