Capital One Financial Corporation

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 have been getting multiple phone calls about my bill including phone calls on Saturday at 8 am and Sunday morning , the calls have since continued to come in. My bill is not due until almost the end of this month, it is the first of the month right now, and six days ago I made an EXTRA payment for this month so I will have two payments for this month, yet I continue to get harassed and keep getting multiple phone calls. This is ridiculous. I actually make payment's. I just gave Capitol One money six days ago yet I continue to get calls including ones on the weekend early in the morning waking me up.Desired Settlement: No more phone calls.

Business

Response:

Dear [redacted],

I'm reaching out to about your complaint to the Revdex.com regarding receiving calls from Capital One. I understand your concerns and would like to assist you with this issue.

On December 10,2013, I sent you an email request for further verification so that I could add you to our do not call list. Since I have gotten no response I have not been able to add you to this list. However I have added the information you provided to the Revdex.com to our solicitation opt out list.

If you can please give ma call at [redacted] and provide me with the information requested in my last letter. I would be more then happy to add you to our do not call list. If you prefer, you may mail this information to the address above or fax it to my attention at [redacted]. If you are unable to contact me through these channels, you may also send me a secured message through our website.

If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 9 a.m. to 6 p.m. ET. I'm glad to help any way I can.

Sincerely,

[redacted], on behalf of Capital One

Review: Capital one bank is inaccurately reporting to [redacted]. A debt owed has been paid since 2/18/2009 and it is still being reported as not paid. I want it removed from [redacted]. When I called the bank and asked them to do it, they informed me that I had to call [redacted] and have them do it. [redacted] then informed me that the bank had to do it. Conflicting information has been given to me. Furthermore, my husband who is also listed on the account has no record with [redacted], it has only affected me.Desired Settlement: I want the inaccurate information removed from [redacted].

Business

Response:

Dear [redacted],

We are writing a response to the complaint that you filed with the Revdex.com regarding a reported debt in [redacted]. We understand that you are requesting this information be removed.

According to our records, we received a Request for Reinvestigation from [redacted] on December 24, 2013, notifying us that you were disputing the reported debt. We responded to [redacted] on January 7, 2014, advising that the reported debt should not remain on [redacted].

There's nothing else you need to do, but please note that it can take up to 60 days for [redacted] to make the change.

We regret any confusion or frustration this matter has caused you. If you have any additional questions or concerns, please feel free to contact me at [redacted] ext [redacted]. I am happy to help any way that I can.

Sincerely,

[redacted], on behalf of Capital One

Review: In December 2012, I purchase a used vehicle from [redacted] of Milford, CT. At the dealer, I trade-in pickup truck for a [redacted] and I was snowball in purchasing a ford escape vehicle costing me $533.71 a month. I call them the next day after I made purchased and say "this is very expensive" and wanted to change my purchase something different. The salesman called my home and was offended about the cost of my vehicle.The salesman said I couldn't make a change. I signed the contract. So I reported to Revdex.com. The Revdex.com did it's job by contacting [redacted] Milford, CT but nothing was change. The manager said I give you a free oil change. I purchase the car at 20,000 and by the end of the loan It's cost over 40,000. I was zap by [redacted] in Milford, CT with Capital One predator lending company. I been paying this car note for two years with a 60 months period. During the second year I try to refinance my [redacted] for a lower monthly payments with Capital One. Capital One said they didn't refinance they're vehicle. But I see on the website Capital one advertise they do in fact refinance vehicles. I contact customer service my concerns because I got behind in my payments last year, I paid $370 every month to avoid repo and the representative said its ok. Today, January 4, 2013. Capital One execute a repo of my vehicle by [redacted], LTD [redacted] without notification. I'm very distressed about all this.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like to have Capital One return my vehicle and I would like them to refinance my vehicle for a lower monthly payments because how they handle my situation.

Business

Response:

[redacted],

We received the situation you explained to the Revdex.com and want to address your concerns. We sincerely regret to hear that you feel that your car buying experience was unsatisfactory. Please understand that Capital One is not authorizated to speak on behalf of [redacted] or their financial agents, and will therefore be unable to address your concerns which pertain to the dealership.

We encourage you to review the "Finance Charge and Payments" section on the second page of your contract. It explains that your contract is for a simple interest loan, which means interest is assessed on a daily basis. The contract indicates that the vehicle was financed for $23,822.50, with an APR of 17.00%. If all payments are made on time, you will pay a total amount of $38,427.12, which is the amount finaced plus the finance charge of $14,604.62. Failure to submit timely payments may impact the interest assessed over the life of your loan and your total amount of payments.

Our records indicate that your vehicle was repossessed on January 2,2014 due to delinquency. In additional to mailing you monthly statements indicating your account status, we attempted to contact you by phone on several occasions, but our calls were not answered. We also sent you a letter dated November 4,2013, warning you of your account status.

We confirmed that we spoke with you on December 5,2013 and agreed to accept two payments of $370.00 each, to be paid on December 9,2013, and December 19,2013 in order to help you avoid repossession. Unfortunately, the payment submitted for December 19,2013, was returned by your bank, due to stop payment requested. On January 6, 2014, you successfully reinstated your account after the vehicle was repossessed, and as a result are currently in possession of your vehicle.

The information you were provided was accurate in that Capital One Auto Finance does not currently refinance its own loans. We do however refinance some auto loans that were financed with certain financial instituations as indicated on our website. While we would not want to lose you as a customer, you may consider exploring refinancing options with other financial institutions.

We regret any inconvenience this matter may have caused. Please contact our Customer Service Department at [redacted] requestiong this specific response, I can be reached at [redacted].

Sincerely,

On behalf of Capital One

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 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: On November 18th, 2014, I submitted to my bank ([redacted]) a Capital One cashiers check in the amount of $2,000 which I received from a third party. On November 24th, due to my own research, I became aware that the check may have been associated with fraudulent activity. Upon contacting Capitol One, they admitted there had been hacking in their system and the check was fraudulent. I received the check for goods that I was selling privately and was unaware that I was being scammed. The representative at CapitaI One made no mention of any attempt to flag the line of fraudulent cashiers checks, warn consumers, or resolve the issue. Between two financial institutions, the check was cleared and I lost $2,000. I did my duty reporting it to my bank in [redacted], North Carolina. In reference to the scam, I contacted the local police department and have followed the complaint up my chain of command in the [redacted]. It has been well documented. I am a [redacted] in the [redacted], I've served 4 deployments, my wife and I are expecting our first child and both of our savings accounts were drained right before Christmas with absolutely no accountability on Capital One's part. We are not responsible for the inadequacies of Capital One or the fraud associated with the cashiers check we received and we were not given a fair resolution.Complaint concerns: OtherDesired Settlement: I would like my $2,000 to be returned to me with an explanation in reference to the failure to warn consumers and stop them from being victims of fraud.

Business

Response:

RE: Capital One CID: [redacted] Revdex.com Complaint ID: [redacted] Dear Mr. [redacted]: We are writing in response to your complaint that was forwarded to us from the Revdex.com (Revdex.com) about fraudulent Capital One cashier’s checks you received from a third party. We value your feedback and hope to address your concerns. Our records show on November 24, 2014, you contacted customer service to verify a cashier’s check. After providing the requested information, you were informed that the check was invalid. You then stated that this is the second of two (2) checks you received from an individual you did business with through the website [redacted] and you wanted to see if this check was valid. In the call, you asked what can be done about the checks being fraudulent. The representative informed you that we were made aware of a ring of fraudulent checks and advised you to contact your financial institution and local authorities about the checks. We confirmed the representative did not inform you that fraudulent checks were the result of any hacks into our systems. Unfortunately, fraudulent checks are not an uncommon occurrence and can be created without hacking into a financial institution. Before accepting any deposits in a bank account, it’s important to know the details about the check originator. In a situation where you don't know this information, it’s best to contact the issuer of the check prior to making the deposit, like you did with the second check you received from the individual you met through [redacted]. While we know this isn’t the outcome you were hoping for, we are unable to provide you with $2,000 compensation for any fraudulent checks you deposited into your bank account with another financial institution. We suggest you continue working with your financial institution and local authorities about pursuing reimbursement from the individual who provided you with the fraudulent checks. Regrettably, there is nothing more we can do to assist you on this matter at this time. 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.

This is not an accurate portrayal of conversation events. There is no resolution offered and no responsibility accepted. Therefore, this response is painfully inadequate. Customers deserve to know how Capital One responds when events like this occur, my complaint stands.

Regards,

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: 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,

I have had a credit card with Capitol One for over 3 years. I requested a credit limit increase, and was told I was being denied for "recently being over the limit". After going over my account, I had not gone over the limit in 11 months. After speaking with 4 customer service representatives, and a supervisor, I was informed there was nothing they could do to remedy this. I could continue to re-apply, but they would not be able to tell me if I would be approved. In fact, they could give me no reason at all on what it would take to be approved.

A company of this size should be upfront and honest with their customers.

worst customer service ever

Review: In November of 2011, I was charged an annual fee on my Direct Rewards [redacted], acct. # [redacted]. I hadn't been using the card at the time and had a previous balance of $0, so was not expecting a bill. In January, 2012, I was alerted to a 30 day late payment status on the above account as reported to the credit bureaus. I came to find out that they'd enrolled me in paperless billing and was no longer receiving email alerts because they had the wrong email address on file. Had I been aware of the balance, I would have taken care of it right away, and I feel that the fault for the error falls on Capital One's email system.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like for the 30 day late notation that appears on my credit reports with [redacted] to be removed, and either reflect, "no data", or payment ok.

Business

Response:

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

Business

Response:

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

Review: On 10/25/13 I contacted capital one to pay my bill early. The bill was due on 11/01/13. I have auto direct for my payments. I requested that the auto direct pay for 11/1/13 be canceled due to fact that I was paying early on 10/25/13. The auto direct for 11/1/13 wasn't canceled and capital tried to hit my account on 11/01/13 for $398. Since had ad no money in my account there was an overdraft charge that was placed on my account. I contacted capital and notified them that they are trying to take more money and capital one stated that the auto daft wasn't canceled, which I requested that payment for 11/1/13 be canceled. Capital one customer support stated that they couldn't stop the draft and that when the money comes out for 398 that I should fax them the withdraws. On 11/8/13 I faxed capital one the overdraft and the payment they took on 11/7/13 in the total of 427.44 I requested that the money be returned immediately. I contacted capital one to notify them that the fax was sent and customer support stated that it will take two -three business days. Well I only received the ** dollars and nothing else. I waited an extra three days to see if the rest of the money was going to hit and it didn't. I contacted capital on 11/15/13 to see why I didn't receive the 398.44. Customer support then notified me that I had to fill out a form in order to get my money back. I questioned that because I received the ** dollars with no form signing and now telling me I have to fill out a form which was never brought to my attention on any of the calls. The support person I was working with states that they assumed I only wanted the ** dollars. when my fax states that I wanted all of my money retuned so I do not see how they could have assumed now I have to feel out this form to get MY money back, this is hassle with this assumption that I didn't want my money is ridicules because the proof is there. If I didn't call them back for an update I wouldn't never received my money back because they assumedDesired Settlement: DesiredSettlementID: Refund

I would like my money returned as agreed immediately. I've opt out of auto direct due to this issue.

Business

Response:

Dear [redacted]:

I have reviewed the situation explained in your complaint to the Revdex.com and would like to address your concerns.

[redacted], we sincerely apologize for your experience in the processing of your November 1, 2013 payment. Our records confirm an electronic refund in the amount of $[redacted] was processed on November 18, 2013.

Additionally, please note that the address provided on your complaint correspondence differs from the address on your account. Please contact us to update you contact information to ensure you receive your account correspondence.

We regret any inconvenience this matter may have caused you. If you have additional questions regarding this matter, please contact us at [redacted].

Sincerely,

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 have three different credit cards with capital one and have a great experience thus far. One of the three cards (which is the subject of my complaint) was transferred to capital one from another entity. I had not used the card in a couple of years and had a zero balance on it therefore I did not have the card set up for automatic payments (my other two cards are set up for automatic payments). I forgot about this card because it was not in use, however around October, a member fee of 39.00 was assessed on the account as well as two subsequent late payment fees before I became aware of any these charges. I went ahead and paid the amount which was a total of $94.89. I however came to realize recently that my credit score dropped by 60 points because capital one reported the late payments. I called the customer service line on Saturday the 27th and the rep was kind enough to reverse the member and late payment fees. It was early in the morning and she informed me that I would need to call back an hour later to speak with a higher-level supervisor who could assist with getting the late payments removed from my credit. I was unable to call at the time she indicated, and just called today. Both the customer service rep and the supervisor I spoke with were not helpful and refused to remove the negative indicators from my credit. They insisted they could not control what another rep had told me and the only thing they could do was to file a dispute on my behalf and it would be up to the credit bureaus to decide whether to remove it. I explained to her that I understood the mechanics of the credit dispute process and that a bureau will only remove negative information if either the owner of the credit file proves that the negative information were unwarranted or the creditor requests that such information be deleted. I am requesting the latter and I know it can be done because other capital one customers have reported online that similar past due information were removed from their credit by capital one. Additionally, the rep I spoke with on Saturday informed me that this would be done. The supervisor was unyielding and stated that nothing can be done.Complaint concerns: a Credit CardDesired Settlement: Capital one has been kind enough to process a credit for the charges on my account but the negative reporting on my credit is of paramount importance to me (more than the refund, actually). I would hope capital one would follow through on promises made by a rep and as a courtesy remove the "past due" notations from my account. I understand that capital one is within its legal right to report this information, however I hope that by refunding the member fee and late charges capital one appreciates that this was in fact an oversight on a card that has been dormant for at least a year. Thanks.

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com Case No.: [redacted] Dear [redacted], This letter is in follow-up to our phone conversation on January 12, 2015, about your complaint to the Revdex.com about the Annual Membership Fee (AMF), late fees and Interest charges billed to your account, as well as information we reported to the Consumer Reporting Agencies (CRAs). I realize you’re concerned about this, and I’d like to share more information. Although we found no error in the reporting of the account, I have sent a request to the CRA’s to update your credit profile that the account is reporting as paid as agreed and not past due for the month of September 2014. For your reference, the control number for this update is [redacted]. It may take this agency up to 60 days to update their records. I’d like to give you more information about the fees. Even on accounts with a zero balance, your Annual Membership Fee is billed automatically. Late fees are billed when a minimum payment isn’t received by the due date. Allow me to explain further. On July 28, 2014, the Annual Membership Fee (AMF) for $39.00 billed. The July 2014 billing statement closed with a balance of $39.00, with a minimum payment due of $25.00, by August 25, 2014. We did not receive a payment, and as a result, the account was billed a past due fee of $25.00 and interest for $0.72. The August 2014 billing statement closed with a balance of $64.72, with a minimum payment due of $54.00, by September 25, 2014. We did not receive a payment, and as a result, the account was billed a past due fee of $29.00 and interest for $1.17. The September 2014 billing statement closed with a balance of $94.89, with a minimum payment due of $88.00, by October 25, 2014. On October 6, 2014, we received payment for $94.89 which brought the account current. If you have additional questions or concerns, please contact me at [redacted]. I am available to assist you from the hours of 8:30 a.m. to 5 p.m. PT, Monday through Friday. 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 have not had an active, valid Capital one Credit card since 2007. I have been getting several collection calls regarding a charge for some type of robotic device for around $1,000. The card used was either a MC or Visa Capital One card which I have not activated since 2007 and the card had expired. This clearly should not have been authorized. I have spent several hours speaking with people in several departments trying to get this resolved. I was informed twice that all my cards were not active and terminated. I was also assured that I did not owe any money on any Capital One cards and that this matter was not sent to a collection agency or reported to credit bureau.

I just recently received a phone call from Capital One regarding this charge despite all the previous conversations I have had with them. I cannot understand how this company can get its records so incorrect by so many employees.Complaint concerns: a Credit CardDesired Settlement: I would like Capital One to do the following:

1) Ensure that any and all current, past and future accounts be terminated

2) Ensure that I do not have any liabilities with and and all Capital One accounts.

3) Ensure that there are not outstanding issues with any Credit Bureau or collection companies regarding any and all Capital One accounts.

4) Ensure that I receive no more phone calls from Capital One.

5) Compensate me for all the time I spent trying to correct this matter that clearly was a Capital One error in the amount of $300.

Business

Response:

Re: Account ending in [redacted] (formerly ending in [redacted]) and Account ending in [redacted] Capital One Case: [redacted] Revdex.com No.: [redacted]

Dear [redacted], I’m following up with you in response to your Revdex.com (Revdex.com) regarding the status of your accounts ending in [redacted] and [redacted] and a transaction on account ending in [redacted] that you are disputing as fraudulent. We value your feedback and would like to share more information with you. This letter is to confirm that the above referenced two accounts you had with us are currently closed with no outstanding balance due on either account. Our records indicate that your account ending in [redacted] was open on January 21, 2009, and your account ending in [redacted] was open on April 11, 2008. Both accounts are now closed, and the accounts are coded as no further calls, in response to your request. Our records indicate that we recently contacted you about a transaction made on your account ending in [redacted] on October 29, 2015, to [redacted] for $1,415.18. Our Fraud Department has deemed this transaction as fraudulent and determined that you are not responsible for this charge. A credit was issued to your account for this charge. We also credited this account for all past due fees and interest charges. These credits are reflected on the February 2015 billing statement for this account (copy enclosed). Please note that we have also removed the late payment history for this account and updated this information on your credit profile. This update was submitted to the Consumer Reporting Agencies (CRAs) on February 6, 2015. Please allow up to 60 days for the CRAs to update your credit profile. We appreciate your business, and as a customer courtesy, we credited your account ending in [redacted] for $350.00. We issued the credit amount to you in the form of a credit balance refund check to your mailing address on file on February 4, 2015, leaving the account with a remaining balance of zero. If you have any questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 8 a.m. to 5 p.m. ET. I’m glad to help any way 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 8-9-2013 I disputed a charge on my account of $59.00 made by [redacted] - [redacted] and told CapOne I NEVER authorized this charge to my account. CapOne assigned the Case Number of [redacted] to my dispute.CapOne then took this charge of $59.00 off my account but then rebilled it on 8-19-2013, saying that the merchant, [redacted] had resubmitted the charge along with supporting documentation. I called CapOne and told them I had NEVER AUTHORIZED THE CHARGE so how could they have any written documentation ??? They said they would be sending it to me in the mail, so I waited. Now here it is 9-13-2013 and I HAVE NEVER RECEIVED ANY SUPPORTING DOCUMENTATION for this charge, which of course there is none !!I also called [redacted] at [redacted] on 8-28-2013 and spoke with "[redacted]" (who gave me a confirmation number of [redacted]) and he told me someone else in my household must have authorized the charge. I said WHATTTT?? I am the only one on this card and there is NOBODY else would have authorized a [redacted] charge. He said I must have an old, outstanding account which had used the same credit card to charge the 2-year subscription to previously. I told him to go back and look on his computer in their records and he did find a past ALSO DISPUTED charge from two years ago. I told him I had refused & disputed the charge 2 years ago and had them reverse it and asked him why they would go ahead and re-charge the same card for a subscription I did not want ??? I told him to reverse the charge and he said he could not. He said the credit card company had to deny the charge. What ??So I have cancelled my Capital One card and another charge for [redacted] can never be posted to that card again, but WHAT A SCAM !!!

[redacted]: CapitalOne credit card

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I herewith request my $59.00 be refunded to me by CapitalOne to my outstanding balance on my closed account # [redacted] immediately for this bogus unauthorized [redacted] 2-year subscription charge.

Business

Response:

We advised the customer that the [redacted] charge has been adjusted per her request.

Review: I had a [redacted] with this company for several years. I paid it in full on December 2, 2013,and asked them to cancel the card. They responded, on January 1, 2014, that I owed them $1,67 in interest fees, and another $86.39 for a service that I did not authorize.Desired Settlement: DesiredSettlementID: No settlement requested - for

No settlement requested - I just want them to stop badgering me!

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint to the Revdex.com, about a disputed charge. Thank you for your patience while we resolved this. I have good news to share!

Our records show that we've exchanged several letters with you about a transaction for $[redacted] that was billed to your account by [redacted] on December 22,2013. After a thorough review, we determined that you were not responsible for this charge. I've credited your account for $[redacted] for the disputed charge. You'll see this credit on your January statement.

If you have any questions or concerns, please call me at [redacted]. I am available from 11:30 a.m. to 8 p.m. PT, Monday through Friday. I will be happy to help!

Sincerely,

Office of the CEO

Capital One

Review: They said I was paid up of my debt and now they want more money in which I barely have any! I lost my job last year in December and I barely can afford the payments that they were trying to make me pay. I only collect SSI and that is very low itself. My SSI is for my Rent. If I don't have this money from my SSI because I have to pay them I will be homeless.Desired Settlement: Drop all of the collections

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint to the Revdex.com about our efforts to collect on your account and your request that we cease and desist all contact.

I'm sorry to hear about the financial difficulties you are experiencing. I have confirmed that on January 7, 2014, a cease and desist was placed on your account. Therefore, you will no longer receive any telephone calls or electronic or written communication from Capital One in reference to this account except for billing statements and any legal disclosure or notice required by applicable law. We reserve the right to use any means allowed by law to collect this debt.

The account has yet to be paid off or settled in full as the payment of $[redacted] which was made on December 2, 2013, was returned unpaid from your bank on December 9, 2013. The account balance is $[redacted]. If you would like to discuss the account, you may contact me at the telephone number shown below.

If you have additional questions or concerns, please give me a call 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,

[redacted], on behalf of Capital One

Review: Capital one has made numerous inquiries on my Equifax credit report, which were not authorized. . I do not recall authorizing these inquiries, and request that they be removed as I am aware that an inquiry cannot report unless it was authorized.Desired Settlement: I request that these inquiries be removed as soon as possible

Business

Response:

Dear [redacted],

This letter is in follow up to our phone conversation about authorized credit inquires. We're glad to share more information about this.

We have verified that the inquires for July 3, 2012, July 18, 2012 and January 20, 2014, originated from applications for the credit card by the internet.

If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 9:30am to 6pm PT. I'm glad to help anyway 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].

Review: I attempted to make a trade, through the difficult to understand language and no warning of how long they were going to hold my money. I made 2 trades but all together they took out over $600 I attempted to get my money back in a reason amount of time but it take a week or more...They even told me it would be returned 3-4 days its been 6Desired Settlement: I just want my money put back into my account like yesterday like they said

Business

Response:

Dear [redacted],
This is in response to the above referenced letter filed with the Revdex.com (“Revdex.com”) March 18, 2014 regarding your brokerage account with Capital Once ShareBuilder, Inc.
As you may know, ShareBuilder is an exclusively online and customer directed brokerage service. When customers establish their accounts, they agree to our “General Terms and Conditions,” which states the following:
In order to protect ourselves and our customers from fraudulent activity, we reserve the right to temporarily hold credit balance and to delay requests disbursements, regardless of whether the direct resulting from a cash deposit or a selling transaction.
At our discretion, any disbursement holding period will generally by the customary time required to verify clearance of the originating deposit, depending upon the nature of the funds’ transmittal (e.g check, electronic transfer, wife, etc.).
According to Firm records, for your account ending in 7923:
March 11, 2014
7:37 am* you entered an ACH Deposit in the amount of [redacted]
7:44 am you entered an ACH Deposit in the amount of [redacted]
7:57am you entered an ACH Deposit using the Express Funding Feature in the amount of [redacted]
8:02am you entered an ACH Deposit using the Express Funding Feature in the amount of [redacted]
7:33pm you entered an ACH Deposit using Express Funding Feature in the amount of [redacted]
March 12, 2014
7:14 am you inquired via chat hot to transfer money bank into your checking account. The customer service representative notified you that “recent deposits are on hold for 5 business days, so funds will be available to withdraw at that time.”
7:19 am you entered a withdrawal of $[redacted]
8:22am the Firm sent you an email to confirm your withdrawal request of [redacted] and provided a disbursement date of 3/19/2014
7:33pm you placed an order of Endeavour International Corp. (END) in the amount of $98.90
March 13, 2014
12:25 pm you entered a withdrawn of [redacted]
1:27 pm the Firm sent you an email to confirm your withdrawal request in the amount of $[redacted] and provide a disbursement date of 3/20/2014.
March 19, 2014 the request disbursement of [redacted] was completed.
March 20, 2014 the request disbursement of [redacted] was completed.
The firm has a five day holding period prior to processing customer requested withdrawals for funds that were initially deposited electronically. Our Help Topics on the ShareBuilder website provides further information on withdrawal holding periods.
In addition, when a customer submits a withdrawal request online, the system provides a disbursement date and requests confirmation in order to process the request. The Firm also sends an email to confirm the withdrawal request and provides the disbursement date. Consistent with the Firm’s procedures, your disbursement were process 5 days after they were entered on the website,
I trust that the above explanations have clarified the events surrounding your concerns.
If you have any further questions, please contact me at [redacted].
Sincerely,