Capital One Financial Corporation

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: 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: 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: 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: 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 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: 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: 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: 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.

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.

Review: I have submitted multiple times for Capital One a letter to show proof that the debt that is on my credit is mine. They haven't sent anything but a letter saying We have reviewed our records and found that we previously responded to your request. Based on our investigation of your records, we believe that our original determination is correct. They haven't sent proof that the debt is mine. Acct# [redacted] and Acct# [redacted]. I want these off of all three credit reports.My complaint concerns: a Credit CardDesired Settlement: I want these two credit cards off of all three credit reports

Business

Response:

Dear [redacted], I’m reaching out to you about your concerns filed with the Revdex.com (Revdex.com) regarding your request for validation of the debt for each of your accounts. For your convenience I have addressed each account individually below. Account ending in [redacted]: Our records show that this account was opened on October 10, 2005. This account was applied for either online or by phone; therefore, we do not have a paper application available to send you. I have attached copies of your account statements from October 2005 to January 2010. These statements were sent to the address on file, which I was able to link to you through public record, and show the progression of the balance and the transactions that were billed during this time period. Since your account had a balance; payment was due. When we did not receive the requested minimum payments by the due dates shown on your statements, fees and interest charges were billed in accordance with the terms of your account. The account then charged off due to delinquency on February 23, 2010. On March 10, 2010, we made the business decision to sell this account to Portfolio Recoveries Associate. Since we no longer own this debt, we cannot assist you with your concerns. We ask that you please direct your inquires to [redacted]. You may reach them at [redacted].We have reviewed your account and found no requests made to Capital One for a validation of this debt. However, several requests were made to the Consumer Reporting Agencies (CRAs) regarding this account. I have outlined below the requests we received from the CRAs and the dates of our responses. Additionally, I have attached a copy of each response for your review: x 5/13/2015: Request received by the Consumer Reporting Agencies x 5/13/2015: A letter was mailed to the address of record (attached) x 5/14/2015: Request received by the Consumer Reporting Agencies, no response based on previous response mailed the day before x 7/26/2015: Request received by the Consumer Reporting Agencies x 7/26/2015: A letter was mailed to the address of record (attached) Account ending in [redacted]: Our records show that this account was opened on February 2, 2009. This account was applied for either online or by phone; therefore, we do not have a paper application available to send you. I have attached copies of your account statements from February 2009 to April 2010. These statements were sent to the address on file, which I was able to link to you through public record, and show the progression of the balance and the transactions that were billed during this time period. Since your account had a balance; payment was due. When we did not receive the requested minimum payments by the due dates shown on your statements, fees and interest charges were billed in accordance with the terms of your account. The account then charged off due to delinquency on April 27, 2010. On May 12, 2010, we made the business decision to sell this account to [redacted]. Since we no longer own this debt, we cannot assist you with your concerns. We ask that you please direct your inquires to [redacted]. You may reach them at [redacted]. We have reviewed your account and found no requests made to Capital One for a validation of this debt. However, a request was made to the Consumer Reporting Agencies (CRAs) regarding this account. I have outlined below the request we received from the CRAs and the dates of our response. Additionally, I have attached a copy of this response for your review: x 5/14/2015: Request received from the Consumer Reporting Agencies x 5/14/2015: Response sent to address of record (attached) If you have additional questions, please give me a call at 800-955-1455, Monday through Friday from 8 a.m. to 4 p.m. ET. When contacting me, please be sure to have the following six digit phone PIN available: 858834. I’m happy to help in any way I can. Sincerely,[redacted], on behalf of Capital One

Review: I was charged late payment fee when I didn't receive statement from kohls.

When I requested khols about the same they rejected to waive fee.

I was charged late payment fee when I didn't receive statement from kohls.

When I requested kohls about the same they rejected to waive fee as it was kohls issueDesired Settlement: Refund late payment feee

Business

Response:

Dear [redacted], Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of Kohl’s for resolution. While Kohl’s has an established partnership with Capital One N.A., we provide the in-house servicing for your Kohl’s Charge account. As it is my intent to provide our valued customers with quality service, I appreciate the opportunity to review and resolve your concerns. In your complaint, you state you did not receive your March 2015 statement, which subsequently led to you missing your April 2015 due date and a late fee billing your account. You ask that we refund the late fee based on this information. As a courtesy to you, we have credited the $25.00 late fee back to your account. This credit resulted in a credit balance in the amount of $25.00. You can use this credit against your next purchase, contact us directly to have a check mailed to you, or a check will be automatically issued to you if the credit balance remains after 90 days of no new activity. Our records show that your March 2015 statement showed a balance of $54.11, with a minimum of $25.00 due by April 12, 2015. Regrettably, we did not receive your payment by the due date, resulting in the assessment of a $25.00 late fee to your account. This fee appeared on your April 2015 billing statement, which reflected a balance of $80.17 and a minimum of $51.00 due by May 12, 2015. On April 22, 2015, we received your payment of $80.17, bringing your account balance to zero. I have confirmed that you registered for e-statements on November 17, 2013, with your email address listed as [redacted]. We have not received any returned statements from this email address. Even though the assessment of the late fee is in accordance with your Cardholder Agreement with us, we have refunded the fee as explained above. I trust the information provided resolves your concerns. If you have any further questions, please do not hesitate to contact me directly at 262-704-9413. Sincerely, [redacted] Sr. Executive Correspondence Advisor Office of the President Kohl’s Department Stores

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: The consumer called our office to file a complaint against this company on August 29, 2014. BC. The consumer indicates Capital One purchased a old account she had. This account was paid off a long time ago and is not active. The consumer has received two bills now from Capital One. She has attempted to contact the company but no reason for the bills has been given.Desired Settlement: The consumer would like the billing to stop, she has no open account and does not want one.

Business

Response:

Dear [redacted],

We recently received your concern from the Revdex.com about the balance and status of your Capital One credit card account. We take your concerns seriously, and I'd like to share more information about this.

Your account was opened on June 3, 2010, through an application you mailed in to [redacted]. Since July 12, 2013, your account was fully converted to Capital One.

On September 18, 2014, we closed your account and cancelled Personal Account Protection Elite. We credited back all fees and interest, which have been applied since June 18, 2014. The account is now closed with a zero balance, and no further charges or fees will be applied. You'll see this credit on your October billing statement.

We also requested the Consumer Reporting Agencies remove the past due reporting for August 2014 from your credit report for your account ending in [redacted]. These agencies may take up to 60 days to update your credit profile.

If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 10:30am to 7pm PT. I'm glad to help anyway I can.

Sincerely,

[redacted], on behalf of Capital One

Review: Credit report has the credit card ending [redacted] listed as a NEGATIVE ACCOUNT. There are months I paid twice. Capitol One collected LATE FEES and I paid the account off in a timely fashion. I ask they apply my "Points Earned" for a GMC car to removing this negative blemish from my history.

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

I ask they apply my "Points Earned" for a GMC car to removing this negative blemish from my credit report agency history.

Business

Response:

Dear [redacted], This letter is in response to your concerns to the Revdex.com (Revdex.com), about the reporting of your GM Card Platinum account to the Consumer Reporting Agencies (CRAs). Thank you for your patience while we researched this matter. My attempt to reach you at [redacted] was unsuccessful. A $25.00 minimum payment was due on September 24, 2014, which was not received, creating a $77.00 payment to be due on October 24, 2014. This payment was also not received. This caused your account to be assessed late fees, and show as 30 days late for October 2014. The billing of the late fees is in accordance with the Terms and Conditions of the account. On your October 2014 billing statement, a payment of $134.00 was due on November 24, 2014. We received your payment of $1,034.01 on November 11, 2014, and this payment left your account with a zero balance. I have confirmed that there have not been any further purchases made on your account since the November 11, 2014, payment was received. In order for me to assist you further, there is additional information that is needed. If your records show that you made the two payments mentioned above, please provide me with that documentation (ex. bank statements or front and back of the cashed checks). You may mail this information to the address in the upper right hand corner, or fax it to [redacted]. Once I receive this additional documentation, confirming that the payments were made and cashed by Capital One, I can look into your concerns further. Enclosed is your August 2012 through November 2014 statements for your review. These statements will provide you with the progression of your account. Capital One is required to report accurate information to the CRAs about your account history. Our records indicate that there has been no error in the servicing of the account or how your account is reported to the CRAs. We have notified the CRAs of your dispute regarding how the account payment history is being reported. Based on the information outlined in this response, we are unable to honor your request to remove the 30 day delinquency from your credit report. In regards to your request for your GM earnings to be applied to your account. As mentioned above, your account has a zero balance. Additionally, your GM earnings may only be used towards the purchase or lease of a new GM vehicle (services or repairs are not included. For any additional questions or concerns, please contact the GM Redemption Center at 855-505-5050, Monday – Friday from 8 a.m. to 9 p.m. ET. If you have additional questions or concerns, please give me a call at 866-280-0118, Monday through Friday from 7 a.m. to 3:30 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN number available: [redacted]. I am happy to help in any way that I can.Sincerely,[redacted], on behalf of Capital One

Review: On April 24/13 I presented a Capital One Card for payment of my LLC Taxes. Dept of Revenue. The payment was declined and I was told that the card was suspended. I was not notified that the card was suspended. Later I was told that the card was not suspended. This caused severe problems and I spent several days trying to correct the problems the declined card caused. Payments to my attorney was also declined. I spent several days and month wrote several letters to the CEO [redacted], without resolution. I spoke with one name [redacted] who was very arrogant. He offered me $50.00 I refused and he hung up the phone on me.. I request compensation for the problems and time I spent on this issue.Desired Settlement: $500.00 cash settlement. If the matter has to go to court I will seek $5000.00 which will include punitive and other damages; Plus Legal fees, court costs and other costs.

Business

Response:

Dear [redacted],

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

We regret you were dissatisfied with our previous response, which detailed our position regarding your account. We feel that our previous conversation on June 19, 2013, fully addressed your concerns regarding your account. In our previous conversation, we advised that our Fraud Department previously restricted your account due to multiple authorizations being attempted by the Florida Department of State. Our Fraud department took the necessary actions to ensure that your account was not compromised. In addition, we offered a credit of $[redacted] and you declined our offer. We are unable to honor your request for compensation, as there was no error on the part of Capital One. If you feel this information is inaccurate, please contact me at the number listed below.

If you have additional questions, please call me at [redacted], Monday through Friday from 9 a.m. to 5:30 p.m. ET. I'm glad to help any way I can.

Sincerely,

[redacted], On behalf of Capital One

Consumer

Response:

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

In response to Capital one answer I do not accept their response...They LIED and fabricated their response...The card was NOT SUSPENDED/ RESTRICTED prior to rejecting the charge. The card was fully in use. The card was suspended AFTER I phoned to inquire about the rejected charge. The [redacted] placed the suspension while I was talking with them. We may have to listen to that tape conversation in its entirety without any changes to the recording. I spent several hours on this issue. They admit error, they offered $50.00 yes but not satisfactory and I stand by my claim.

Review: I've had a credit card with capitol one for a few years. Approx June 2014, I paid off and closed my credit card. There was a charge from some skin lotion for $89.95. I did not order this and each month when it was sent to me I immediately put return to sender and returned it. I spoke with capitol one and told them about this. When my card was closed, it was all paid, minus this $89.95. I kept getting bills b/c I was getting charged monthly. In October I got an email from the company of beautiful skin stating my account was closed, finally! But I disputed this with the credit card and every month was cancelled except one month. There should have been no charges on this account after the account was closed! Now they are trying to charge me not only the $89.95, but the interest and late charges, which is now hundreds! I've paid this card off more than once, totaling thousands of dollars, so why would I just not pay that little amount? This is crazy and they are ripping people off.Desired Settlement: To not charge me for something that not only did I not order, but I didn't even get it!!

Business

Response:

Dear [redacted], I’m reaching out to you about your complaint to the Revdex.com (Revdex.com) about your concerns on your account. We do take your concerns seriously and I’m glad to share more information about this. As of June 8, 2015, we have credited your account for the disputed charge in the amount of $89.95, along with all the fees and Interest Charges that took place. You will see these adjustments on your June 2015 billing statement. On June 9, 2015, we sent a request to the Consumer Reporting Agencies (CRAs), to remove the past due history reporting for February 2015 through May 2015. For your reference, the control number for this update is [redacted]. Please allow these agencies up to 60 days to update their records. Below is a timeline of what took place on your account with the merchant ([redacted]). ? The merchant billed your account on October 23, 2014, in the amount of $89.95. ? On October 24, 2014, we submitted a Merchant Block Request (copy enclosed). ? On February 5, 2015, you contacted us to advise that you are still receiving products from the merchant, after you cancelled with them on June 13, 2014. We processed the dispute with the merchant and issued a provisional credit. You will see this adjustment on your February 2015 billing statement. ? On March 24, 2015, the merchant has provided a rebuttal to your dispute claim, we rebilled the provisional credit issued and sent you a letter (copy enclosed) requesting for additional information. ? On April 14, 2015, we received your correspondence response to the merchant rebuttal, however; you did not address the additional information needed for us to continue the dispute on your behalf. We sent you a letter (copy enclosed) to advise. After reviewing your account, we have no records of receiving your request to close the account on or around June 2014. Our records indicated the account was never paid off in June 2014. I have enclosed copies of all of the available statements on the account. The enclosed statements will provide you with the progression of your account balance, purchases made, and payments posted. As of June 11, 2015, we have closed your account and it’s reflecting with a zero balance. If you have additional questions, please call me at [redacted], Monday through Friday from 9:30 a.m. to 6 p.m. PT. Sincerely, [redacted], on behalf of Capital One

Review: I have been stuck on the Credit Card hamster wheel with Capital One for awhile. I don't use the card, I just want to get it paid off and I've been trying for two years. I contacted Capital One last Thursday and told them I'd really like to get some help paying this card off, and if the interest rate could be lowered that would greatly help. I was told that if I made a payment of $218.00 on Friday 5/1/15 (which is not my payment date) that I would be eligible and that I should call back to get my rate lowered. I made the payment on Friday as promised and then got online to contact a representative. I was informed that they would not lower my interest rate. I can only assume that the promise was made just to get money out of me. I have made so many payments on this card that I've probably paid what I actually spent three times over or more. There is also a $5.00 monthly members fee on the card that wasn't there when I originally got the card years ago. Just another way to rip customers off.Complaint concerns: a Credit CardDesired Settlement: Since I have made it clear I am willing to work at paying off my debt, I would hope that Capital One chooses to work with me as they have with others I've spoken to. I would like to have a 0% interest rate for one year to pay the card off. I know this has been done for other people, and since I've paid what I actually spend many times over, I think this is acceptable for both me and Capital One.

Business

Response:

[redacted], I’m reaching out to you about your

concerns to the Revdex.com (Revdex.com) about your request for a 0% Annual

Percentage Rate (APR) and your experience with our representatives. We

apologize for any frustration you may have encountered. Let me provide you some

account information. We would like to help you with the account. At this time,

there are no 0% APRs available for your account. To assist you with the balance

of the account, I have credited your account for $25.00 that covers the monthly

membership fees of $5.00 that you have been billed for this year. You will see

this credit on your June 2015 statement. This monthly membership fee has

consistently billed to your account on a monthly basis as of January 2011. We

sent you notification of the change in terms on November 14, 2010. I have

included a copy of this letter for your review. With regard to the financial

difficulties which you are currently experiencing, your account may qualify for

one of our Customer Assistance or Hardship Programs. Depending on the program

available for your account, this may lower the APR and also lower the minimum

payment due amount. You will need to provide your debt and income information

as part of the qualification process. In addition, you may have to provide

specific information concerning your hardship. If you are still interested, you

may contact me directly at the number below. When you requested a lower APR

with our telephone and chat representatives on April 29, 2015, your account was

past due at that time. In an effort to assist you with bringing the account

current, the telephone representative credited your account for the $35.00 past

due fee that billed to your account on April 8, 2015. There were no payments

scheduled at that time. The telephone representative advised that there were no

lower APR offers available on the account. Our chat representative advised that

we would be able to review the account for possible lower APRs once the account

was current. You advised that you would make a payment online by May 1, 2015,

in the amount of $218.00 and would check back with us once the payment was

made. You made the promised payment on line in the amount of $218.00 On May 8,

2015, you reached out to our chat representatives requesting a lower APR. The

agent that you chatted with advised you that there were no lower rates

available on the account. The representative then escalated you to a supervisor

to ensure that we were providing you with the best assistance possible. As you

advised the chat supervisor that you would like to pay the balance on the

account off, you just needed some assistance, he provided you the telephone

number for our Early Assistance Team. He provided to you [redacted] and their

hours of operation which are Monday through Friday from 8 a.m. – 11 p.m. ET and

Saturday and Sunday from 8 a.m. - 5 p.m. ET. He explained that this would be

the department that would be able to determine what type of assistance could be

provided. As of the date of this letter, we have not received any further

contact from you. I can be reached at [redacted] Monday through Friday from

7 a.m. to 3:15 p.m. PT. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Consumer

Response:

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

I was told by Capital One before (perhaps two years ago) that help wasn't available for current accounts. Things got tougher and the account got a little behind this year. So when I reach out for help I'm told if I can make a $218.00 payment (which is a lot of money that can pay several bills) to get current help would be available. So I forego food for the week to scrape together the money to ultimately get some relief and I find out I've been lied to. All I keep hearing is "no offers are available" for my account. I've been run around enough, I will not accept this offer. I'm not playing any games, and that includes going through an automated system to try and speak to a rep who is going to tell me the same thing and then be transferred to a supervisor, who is going to tell me the same thing. I plan on paying this account off and closing it, an annual fee is ridiculous considering all the interest you've made off of me. There are much better credit card companies out there who offer lower rates, no annual fees, better rewards, and are willing to work with their customers.

Regards,

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,

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,