Capital One Financial Corporation

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 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: 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 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: Capitol one has a set billing period, and when payments are paid during the billing period, if the payment is too close to the last bill date, it is included in the previous month's billing statement. Since they charge a late fee on any payment made after the the billing period, the fact that a late fee is charged if you pay in the current billing period but their system statement generator is behind by as much as if not longer than a week. For instance, I have billing period from day 29 to day 29 every month. I pay my bill on the second of the month. However, it takes a minimum of a week to generate the next statement, which is the 7 or 8th, so my payment was included in the previous statement, even though I paid for the current billing period which ends on the [redacted] of the current month. When I login the following month to pay on the 2nd, 4-5 days after the end of my previous billing period, I find that I have a late fee assessed on my account. They are using this to access late fees for not paying, even though my payment fell within the billing period, and I believe that to be fraud. I did call them and they returned my fee, but they claimed that their statement generator runs later after the billing period, so that's why it happens, no acknowledgement of an issue or that fault might be in their court. Given that they are responsible for the fees they automate for charging, I fail to see how this is not something within their purview that they should be required to admit and amend.Desired Settlement: Capital One reviews their late fee billing practices and returns fees to other customers that might be aware of this issue where they have paid within the current billing period but have still been charged a late fee.

Business

Response:

Dear [redacted], This letter is in responding to the complaint received by the Revdex.com about your account due date, the posting of payments to your account and billing of fees to your account. Thank you for the opportunity to address your concerns. I understand you have some concerns with the way your payments are being applied to your account and do not understand why you were billed a past due fee for the month of January 2015.Allow me to clarify the following information for you. Your payment due date is on the [redacted] of every month and your statement closing date is usually on the [redacted] of every month. Although your payment due date does not change your statement closing date can vary depending on the number of days in a month. The variation of this date allows your due date to remain the same. I apologize if this was not explained thoroughly during your previous contacts with us. After a thorough review of your account, we found no errors in the billing of your account or posting of your payments. Unfortunately, we are unable to apply additional payments received within the same billing cycle to your next month’s billing cycle. When we reviewed your December 2014 through February 2015 billing statements we verified the following: Your December 3, 2014, statement had a balance of $660.00 and reflected a minimum payment due of $25.00 by December 28, 2014. x On December 9, 2014, we received a payment in the amount of $220.00. x On January 2, 2015, we received an additional payment in the amount of $220.00. We do not have a current payment plan in place that allows our customers to make payments in advance of their statement closing date. Our customer agreement informs our customers that in addition to making the minimum payment on an account, you may pay all or part of the total balance on your account. However, you must still pay at least the requested minimum payment amount reflected on your statement each month, even if you paid greater than the minimum on a previous statement. Your account is assessed a past due fee of $19.00 to $35.00, when we don’t receive the requested minimum payment by the payment due date of the [redacted] of every month. Payments have to be received before the cutoff time, which is 8 p.m. ET, if you are making the payment on the day your payment is due. These payments covered your minimum payment due for December. Any payment amount more than your minimum payment amount was applied to the account balance. I have enclosed your statements for December 2014 through February 2015. Your January 2, 2015, statement had a balance of $220.00. The above payment credits appear on this statement which reflects account activity from December 4, 2014, through January 2, 2015, and your statement asked for a minimum payment of $25.00 due by January 28, 2014. Since the requested minimum payment was not received before the due date, your February 2015 statement reflected a late charge assessment of $25.00 on January 28, 2015. As a courtesy, our Customer Service Department credited your account for this fee on February 3, 2015.I hope this letter helps to clarify any confusion about your account due date or statement closing date. If your intent is to make a payment for your current month’s due date; please ensure that your statement has already closed. You may find some of our online banking tools helpful for managing your statements and payments. For more information on features like automatic payments and payment-due alerts, visit www.capitalone.com. If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 7 a.m. to 3:15 p.m. PT. 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.

There is no reason for the payment due date not to be the closing date of my billing. If I pay beyond the payment date, I get a late charge, but they don't count any payments after that towards future payments? Basically, it says for 5 days after the previous billing date I can't post any payments without being docked in some fashion, either by having to still pay another fee or another portion of the bill.

Review: Capital One Reference number: [redacted] The purpose of this complaint is to outline my inability to resolve a simple request with Capital One Services, LLC.

A few years ago I had a credit card with Capital One Services, LLC (card number ends in [redacted]. I wrote customer service numerous letters a few months ago requesting the last 12 months of payment history prior to the closure of this account under the Fair And Accurate Transactions Act of 2003.

Capital One has never sent me the requested last twelve months of payment history.

Instead they have informed me that the account has been transferred to another company.

They have also falsely claimed that I have disputed the account with them which is not true.

I have written numerous letters to them and they either say they no longer service this account or that …”We’ve verified that the information on your credit report matches the information in our records.”

I have again requested the last 12 months of payment history and if they are unable to send those records to me then they need to simply state that and they need to inform the credit bureaus that they contacted erroneously that there is no current dispute.Desired Settlement: I am requesting the last 12 months payment history for account number ending in xxxxxx[redacted].

If Capital One is NO LONGER able to provide that information then I want to have a letter stating

this sent to me.

Finally, there is NO dispute on my part with any third party such as the credit bureaus and/or the current

servicer of this account. Since Capital One has falsely indicated a dispute then they need to correct that error

with the parties they sent the false information to and send me a copy of the letter and/or email correcting the

record.

Thank You

Business

Response:

Dear [redacted], This letter is in response to the complaint you filed with the Revdex.com (Revdex.com), about your requests for documents confirming the payment history on the account, and the information we are reporting to the Consumer Reporting Agencies (CRAs). In your complaint, you advise that we have failed to send you 12 months of payment history, prior to the account closing, as you requested. You also mentioned that we have reported to the CRAs that you are disputing this account, and you would like us to correct this information, as it is inaccurate. Our records show we have received multiple letters from you and we have responded in accordance to applicable rules and regulations used when responding to a customer. We have reviewed your account again and would like to provide additional information below. Our records show your account was opened on November 15, 2008. We did not receive payments during the life of the account, which caused the account to charge off on July 14, 2009, with a balance of $621.32. The debt was then sold to Portfolio Recovery Associates on April 24, 2012. If you have any questions concerning the debt going forward, please contact them at 800-772-1413. Your requests for statements were sent to us after the debt was sold to the company mentioned above. Any request concerning this debt is referred to the debt buyer. However, for your review, I've enclosed statement copies from November 2008 through June 2009, prior to the debt sale. These statements show the progression of the account balance from the last transaction, through charge off. In addition, because there were no payments on record for this account, we are unable to send a confirmation of payment history for 12 months. Your letter to [redacted], advising them that this account was reporting inaccurately, was forwarded to us, and pursuant to the Fair Credit Reporting Act, we are required to report that the information regarding your account is being disputed. However, we were able to remove the dispute from your credit profile. Please allow the CRAs up to 60 days to reflect this change. We appreciate the opportunity to address your concerns. If you have any questions, you may contact me at [redacted], Monday through Friday from 9 a.m. to 5:30 p.m. ET. Sincerely, [redacted], on behalf of 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: 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

worst customer service ever

Review: Applied for an auto loan on their website becuase of the low rate and had to withdraw my application because the purchase amount was low.My complaint concerns: an Auto LoanDesired Settlement: I would like them to remove that credit inquiry from my credit report. If I would have known that the credit limit was lower than my purchase price I would have used another financial institution. The credit limit was not advertised during the credit process.

Business

Response:

Dear Mr. [redacted],I am writing you today regarding the situation you explained to the Revdex.com, concerning your credit application dated September 3, 2015. This matter was forwarded to Capital One for research and response. We appreciate the opportunity to address your concerns.After a thorough review of your concerns, our records indicate that the maximum finance amount of $40,000 is provided in both the Disclosures and Frequently Asked Questions(“FAQ”) sections of our Auto Navigator website. In the Disclosures section, under “Total Amount Financed Restrictions,” it reads “You may apply for financing up to $40,000 for new and used vehicles.”Under the Frequently Asked Questions section, it states “Your approved Total Amount Financed will depend on your credit history, income and the vehicle you choose to purchase with a maximum Total Amount Financed of $40,000.”Based on the results of our investigation, we must respectfully decline your request to remove the credit bureau inquiry. We regret any inconvenience this matter may have caused you. If you have additional questions, please contact our Customer Service Department at (800) 946-0332. If you have questions regarding this specific response, I can be reached at [redacted].Sincerely,[redacted]

Review: I am writing regarding an ATM deposit that was made but was never credited to my checking account. On either 5/29/2015 or 6/1/2015, I deposited two checks via a Capital One ATM at the Pender Village ([redacted]) location in Fairfax, VA. When my online banking account did not reflect the deposit, I called Capital One to describe my issue and was given a provisional credit pending an investigation. I was not asked for any details of the checks but did provide an estimate of the total deposit and the day I believed the deposit to have been made.

After not receiving any communication regarding the progress of my claim, I received a letter on 7/24/2015 that was dated 7/17/2015 stating that my claim had been denied and that the provisional credit will be removed on the 28th of July. The letter also stated that I may call for the details of the decision as well as to receive copies of any documentation used in the decision making process. I called immediately upon receiving the letter on 7/24/2015 and was told that the person that worked on my claim had gone for the day, that only this individual could look into my claim and provide me the information I needed, that the individual had attempted to call me ONCE on 7/16/2015 (they did not leave a message or attempt to call again), and I was told to call again on 7/27 during business hours of 8 am- 8 pm.

As of today I have called and spoken to several individuals about my claim. No one that is able to discuss the claim is available. I have all documentation needed to confirm that the deposits were made and cleared the check writer's accounts but do not have the credit for the deposit. I have been informed that the individual working on my claim is out of the office today and all management that would be able to assist me are in a meeting (It is going on 2.5 hours and I have been given this response twice). Not only has a deposit of mine disappeared, Capital One has had no sense of urgency in investigating my loss.My complaint concerns: a Banking Account (Checking)Desired Settlement: As the check amounts have been debited from the check writer's account, I would like my deposit to be credited to my account. I would like a thorough investigation including research of the check images, a look into camera footage of the ATM on those dates, and communication to the check writer's institution for confirmation that the checks were deposited/ cashed. I would also like to be reimbursed for any overdraft fees incurred due to Capital One's lack of urgency in resolving this matter and their disregard in working with a customer on missing funds.

Business

Response:

Dear Mr. [redacted]: We are writing in response to the complaint that you filed with the Revdex.com (Revdex.com) regarding the reversal of a claim for a missing ATM deposit on your personal checking account ending in 1925. As we discussed in our conversation on August 7, 2015, the provisional credit of $993.00, that was credited to your account on June 5, 2015, has not been reversed. Rather, the claim has been finalized in your favor and that credit is now permanent. We understand that we initially provided you notification indicating that your claim was going to be denied and the provisional credit reversed. We apologize for any frustration and confusion as this was not the case. Just to confirm, our records do not show any returned transactions or overdrafts on your account from the time the provisional credit was granted on June 5, 2015. I hope this letter explains the situation and addresses your concerns. If you have additional questions or concerns about this matter, please contact me at 1-888-784-9198 ext. [redacted]. Sincerely, [redacted], on behalf of Capital One

Review: On 10/02/15 I made a payment to Capital One in the amount of $25 and received confirmation that this was paid. On Monday 10/5/15 I was told the money was never taken from my account right away and now there are insufficient funds, however I still have confirmation that this was paid. I called and spoke with several reps who stumbled over every possible excuse as to why the money was not taken out, even though I have confirmation that it was. I am willing to pay every cent other than the $25 that they now say I still owe because the money was not taken out right away even though my confirmation tells me otherwise. Capital One should be held responsible for the $25 as I have no control over their internal payment systemMy complaint concerns: a Credit CardDesired Settlement: To have the $25 removed from my statement

Business

Response:

Dear [redacted], I’m reaching out to you about your complaint to the Revdex.com (Revdex.com) about a payment made onto your account. We do take your concerns seriously and I have more information to share about this. As a courtesy, I have issued a credit in the amount of $25.00. You will see this adjustment on your October 2015 billing statement. Our records show a payment was scheduled on October 2, 2015, in the amount of $25.00 from your Capital One checking account ending in [redacted]. The payment posted on your account on the same day. Unfortunately, the funds did not deduct from your checking account on the same day, due to normal processing times for deducting funds. On October 6, 2015, the payment was returned due to insufficient funds. We sent you a letter dated October 14, 2015, advising you of this information. I have enclosed a copy for your records. Thank you for letting us know about your experience. We are always looking for ways to improve the level of service we provide and sincerely appreciate your feedback. If you have additional questions, please call me at [redacted], Monday through Friday from 9:30 a.m. to 6 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy 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,

I must say that capital one is the best credit card company. Capital one goes up and beyond their jobs and helping customers. Customer service and fast and convenience and make sure they solve the issue or situation before you leave them.

Review: I am forward deployed soldier who has two accounts, an auto and a credit card, with capital one. Since the inception of both accounts I have never defaulted and with the exception of the credit card never made a late payment. In October of 2012 I was called to active duty and moved to a different state. Today, 5 November 2013, Capital one customer service told me I made a late payment a year ago and as a result reported to the credit bureaus Equifax and Experian a 30 day late payment. As a service member I am protected, per section 203 (b) of the Servicemembers Civil Relief Act from fines AND penalties. They put the word "and" to distinguish the two as one being monetary and the other being anything other consequence as a result of not executing an obligation to a contract in this case paying on time. While the fee associated with a late payment was waived, they still reported on two credit reports the late payment.Desired Settlement: Being a loyal customer thus far, and with the exception of a period in time where due to my military obligation I was materially unable to pay as a result of initial moving expenses and apartment leasing requirements, which is a requirement for protection under this act, having paid all required payments on two different accounts on time for nearly a year, AND while currently deployed, I feel it is fair to request the removal of the 30 day late payment from both credit reports.

Business

Response:

Dear [redacted]

I’m reaching out to your about your complaint to the RevDex.com. We would like to try to help you with this.

Before I can look into your concerns, I need to verify your

information for security reasons. Please give me a call at [redacted] and

provide me with the following:

Your Name

your current address

The last 10 digits of your account number

The last four digits for your social security number

Your date of birth

If you prefer you may mail this information to the address

below, or fax it to [redacted]

Capital One

as an existing customer, you can also send us a secure

message by following these steps:

visit us at www.capitalone.com and log

into your Online Banking Account

click on the messages tab

click on the compose a Message Button

Select the account number and Subject

Compose the secure message

click the Send Message Button

Once I receive this information from you, I can check into

this. If you have additional questions, please call me at [redacted] Monday through

Friday from 11:30 am to 8 pm PT. I’m glad to help anyway I can.

Sincerely,

I applied online for a new account and completed the process and was unclear whether or not my application was approved or denied. I was under the impression it was approved yet as soon as I clicked on a link for more info, it skipped around the site and wasn't able to go back to the page. There should be a way to check online thru their site to check for a new application and see the status.

Review: I've been a loyal customer of capital one for well over 5 years. I have. Good credit score never miss a payment. They will not increase my credit limit from $300 for over 5 years ago. I have a friend with the same card had his for 2 years and has terrible credit and doesn't make much money. They increased his from 300 to now over 1200 in less then a year. I'm consistently trying to increase my credit score and having such a low credit limit never being increased actually henders me from improving my scores they have caused me to miss out on better interest rates and being able to finance things I have recently acquired another credit card from another company who in just 3 months increased my credit limit +300 without me even having to ask for it capital one is a joke yea they gave me my first line of credit but it has held me back ever sinceDesired Settlement: Would like to be treated like a valued customer after treating them good for so long never missing a payment or going over my limit

Business

Response:

Customer filed a Revdex.com complaint with a request for a credit limit increase. He states that Capital One has not increased his credit limit in the five years he has had the card, and having a low credit limit is hindering his ability to improve his score and miss out on low interests rates. I discovered the customer closed his account in early November; after informing the customer of his options over the phone, he decided to reopen the card and seek a credit line increase. I reopened the account and waived the annual membership fee in goodwill, and was able to obtain a credit line increase from $300 to $500. Resolved over the phone.

Review: Customer Service Specialist was rude to me being a on time paying customer and they have restricted my account without my knowledge and have -$14.99 becuase have made payments on time and it conflicted with the balance.Desired Settlement: Would like account to be restotred and a full refund on the negative balance and that account be resolved do not want a negative effect on credit score

Business

Response:

Dear [redacted],

I’m reaching out to you about your concerns to the Revdex.com about the account

restriction.

Thank you for taking the time to express your concerns regarding the servicing of your account.

Capital One strives to satisfy our customers' expectations, and I sincerely apologize for the

frustration that you may have experienced regarding this matter.

Our records show that you contacted us on August 27, 2014, and at that time, we advised you

that the account ending in 6235 had been restricted permanently. The account restriction details

were not given over the phone, but we did send you a letter on August 27, 2014, advising you

that we permanently restricted your account from further use because you used an account to

pay your credit card bill that you were not authorized to use. I have included a copy of this letter

for your review. I confirmed that the agent you spoke to that day did advise you that your other

two accounts ending in 6492 and 4421 had not been restricted at that time. We stand by our

previous decision, and the account ending in 6235 will remain permanently restricted. We have

also made the decision to permanently restrict the account numbers ending in 6492 and 4421

from further use. Please update your information for these accounts for any recurring or

automatic payments.

You stated in your complaint that we owe you $14.99. I confirmed that we do not owe you any

money on any of the three accounts. I have also confirmed that we are reporting accurate

information on the above referenced accounts, and to date, we have not reported the accounts

as past due.

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

Friday from 8:30 a.m. to 5 p.m. PT. I’m glad to help any way I can.

Sincerely,

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.

[Provide details of why you are not satisfied with this resolution.]

Regards,

Review: I am in the process of trying to buy a house. While in the process the bank had to look at my credit report, needless to say because of this inaccurate account with Capital One Auto Fin. I can't buy my home right now. I looked through my files and I can't find an account with this company or account number. I have written to them at 45, 90 and 120 days and asked them to send me documentation of 100 % acceptance or approval of this account, to date they have not done so. At this point this being on my credit report is preventing me from buying a home. I have repeatedly disputed this and it still on my credit. I have even gone so far as to hire someone to help me fix my credit and it's still there. This has caused me a great deal of emotional distress and I would like it taken care of.Desired Settlement: I consider this defamation and want this removed from my three credit reports immediately.

Business

Response:

Dear [redacted],

We have received your recent submission to the Revdex.com and would like to address your concerns.

Attached with this response, please find a copy of a contract for the auto loan ending in [redacted], listing you as the borrower. Our records indicate that the loan originated on or about April 19, 2008, and that the vehicle was purchased from the [redacted] dealership. Should you feel that this information is incorrect, we would encourage you to contact the dealership for further assistance. As our records indicate that this loan is valid, we must respectfully decline your request to remove the loan from your credit bureau reporting.

If you have additional questions, please contact our Customer Service Department at [redacted]. If you have questions regarding this response, I can be reached at [redacted].

Sincerely,

[redacted]On behalf of Capital One

Review: I have a Capital One credit card. Recently I switched to [redacted], but kept my Capital One Card for traveling. I had thought I had paid it off and didn't look at it online for 5 months. I log on and find I have around $100 in late fees. So I look back five months and find that a [redacted] I had bought for my wife hadn't been paid. It had racked up fees which I was willing to pay. But it had also hurt my credit score as I found out later when applying for a Car loan. My complaint is that I never received any communication from Capital One telling me that I had late payments. I did receive emails that my monthly statement was ready. But I receive those every month with or without anything on the card. I have an old [redacted] with 160,000 miles that I need to replace, but I can't because my credit history says too many deliquesces. I called customer support and explained my situation and that for the last 5 years I had paid my bill on time every month. They said there was nothing they could do to help. I received no letter or email telling me I had overdue payments, otherwise I would have dealt with this before it ruined my credit score.Desired Settlement: I want the "serious deliquesces" in my credit score fixed. You can keep your $100 in late fees. I just want to be able to get a loan.

Business

Response:

We explained that we are unable to change the information we report to the consumer reporting agencies and that we are required to report accurate information.

Review: my capital one [redacted] was stolen account ending in [redacted] and someone acquired my pin and withdrew money, my fraud investigator for capital one put the money back on my account and said it was over. I withdrew the money. I now get a call from same adjuster telling me he feels I removed the money yelled at me and treated me like a criminal. and when I asked what proof he had to think my card was not stolen and pin compromised he said he had no proof just a gut reaction! I asked him what he did for 2 mths while investigating my case and he said not a whole lot. I was shocked!! for his rude cantor. he said a theif would of changed my pin. I said how would they do that, he said with my social security number I said what if they didn't have it. he had no answer. he said I used the atm before where the money was taken out and thats proof enough to say this is not fraud. this fraud investagator should not be working for capital one.

stated in capital ones contract they state no transactions that I did not authorize I will be accountable for! this is a breach of contract.My complaint concerns: a Credit CardDesired Settlement: I want the funds that were removed fraudulently to be returned to my account. in the sum of $282

Business

Response:

Dear [redacted], This letter is in response to your concerns to the Revdex.com (Revdex.com) about potential fraudulent activity on your account. Thank you for your patience while we investigated this matter.We apologize for any frustration this matter may have caused. Our records show that we’ve exchanged letters and phone calls with you about the below mentioned cash advance charges and cash advance fees. On June 9, 2015, the account was rebilled for a total amount of $332.00. You will see this adjustment on your July 2015 statement. Date Store or Merchant Name Amount of Charge Amount of fee April 14, 2015 CMS INC $63.00 $10.00April 14, 2015 CMS INC $63.00 $10.00April 14, 2015 CMS INC $63.00 $10.00April 14, 2015 CMS INC $103.00 $10.00On April 18, 2015, you spoke to a representative in our Fraud Department and explained that the charges listed above were not authorized by you. We closed the account ending in [redacted] and transferred it to a new account ending in [redacted]. On this same date our Fraud Department sent you a letter explaining that temporary credits were issued for the total amount of the disputed charges and any related fees (letter enclosed). On June 8, 2015, our Fraud Department verified that you used your Personal Identification Number (PIN) for the above list of charges. This PIN was required to complete the transactions. We verified that when you activated your card, you selected the PIN from your home phone number of [redacted]. We also verified that this PIN has not been changed. For this reason, we found no indication of fraud and the charges were reapplied to the account (letter enclosed). We reviewed the call, which took place on June 8, 2015, with our fraud representative and the information provided to you was accurate. In your concerns, you mentioned our no fraud liability statement referenced in the letter dated June 18, 2015. Please keep in mind, you’re not held liable for charges that are deemed as fraud. We have determined that there has been no error If you have any questions or concerns, please give me a call at [redacted], Monday through Friday from 6:45 a.m. to 3:15 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I’m happy to help in any way that I can. Sincerely,[redacted], on behalf of Capital One