Capital One Financial Corporation

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: 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: 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: 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: 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'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: 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: 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: 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

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.

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: To Whom It May Concern:This letter is to notify you that you have posted a Consumer Dispute Statementon my credit report that is preventing me from obtaining mortgage financing. While it is my right to post a consumer statement on my credit report with creditreporting agencies, I have not requested that a consumer statement be posted onthe accounts listed below. [redacted] The account history information reporting on my credit profile with the three major credit reporting agencies ([redacted]) for the accounts listed above are reporting accurately and are not in dispute. .I called Capital One 13 times since April and spoke with two managers that reassured me that they will submit the request to get the verbiage off my credit. On 05/07/13 ON ALL THE CREDIT AGENCIES, it reported again this month that I'm disputing the account. I was told I was going to get a manager to call me back and still no one has called me. I am not disputing the account with Capital One. Can you please get this matter fixed and removed off my credit immediately. My closing of my house is being delayed because of this.I tried to get this matter handled and left no choice to file a complaint.Sincerely,[redacted]Desired Settlement: Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company Immediately. I'm not disputing anything.

Business

Response:

We spoke to the customer and

advised that her request to remove the dispute on file with the consumer

reporting agencies was honored and effective as of 5/14/2013.

Review: Capital One is reporting to the credit bureau that I was 30 days late on a payment. Capital one took a payment from me 4 days before a billing cycle ended without telling me that a payment could be applied to the next bill.My due date is the 6th of each month however I have a grace period to pay as well. 12/26/12 - paid $394.6401/23/13 - paid $189.9301/27/13 - paid $448.20 (February payment to pay off card)02/07/13 - no payment due from the previous $448.20 paid03/07/13 - no payment made from the previous $448.20 paid made charges after this billing period.04/10/13 - paid $130.0005/14/13 - paid $150.00The company even admitted their mistake and removed several late charges because of their phone service personnel making a payment mistake.Desired Settlement: I would like Capital One to remove the 30 day late that they are reporting to the credit bureaus.I have already reached out to Capital One several times and their investigative department sent me three letters.

Business

Response:

The customer requested a late payment removal from the consumer reporting agencies. We were able to have the derogatory information removed.

Review: Hello-I was given the opportunity to increase my credit limit with my Capital One Credit Card ([redacted]). I did not meet the requirements at first and was given another letter for a second option. I called in several times and spoke with supervisors and account representatives who advised me that I met the requirements. Each time I am transfered to an out of the country representative and advised that I did not meet the requirements. I recently spent an hour on the phone and spoke with 3 employees(supervisors/account reps) that advised me I met the requirements and then transfered out of the country and told I can not speak with anyone else. I am going on vacation and have two credit cards with Capital One and concerned that my trip will have issues.Desired Settlement: I would like the additional $200 credit limit as promised in the letter sent to me.

Business

Response:

We have increased the customer's credit limit as requested.

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,

Review: About 4 years ago I have received a payment from my buyer by paypal and they transferred the money to the bank "Capital One" , it was around $600-800 I don't remember exact amount, and when I tried to log in to my bank account I realized that Its blocked. Than I asked capital one to explain to me whats going on and they told me that they are investigating who those money came from. It took months than I called them and they still weren't able to explain to me why they froze my accounts and the money. Now 4 years later I tried to call them and they still are not able to explain why they hold all my money and keep my accounts blocked. If they think the [redacted] payment doesn't belong to me than why wont they refund the money back to the person who sent me the payment. I think this is very unethical when bank is holding the money. They should refund the money back to the PayPal or send it to me via check. I also want capital one to close all my accounts with them.Desired Settlement: I think this is very unethical when bank is holding the money for over 4 years. I can't log in to my account and can't withdraw the money from my account. They should refund the money back to the paypal or send it to me via check. I also want capital one to close all my bank accounts with them.

Business

Response:

Dear [redacted]:
We were recently notified by the Revdex.com (Revdex.com) of your complaint about the
status of the account ending in [redacted]. We understand you would like a refund for the account
balance. We value your feedback and would like to share more information about this.
We have reviewed the account, and confirmed that the account had been restricted due to
[redacted] fraud concerns. We spoke to you on February 4, 2014, about this matter. We
performed higher verification because you requested to close the account. On that same day,
a cashier’s check in the amount of[redacted] was mailed to the address on file. We have
[redacted] a copy of the final statement for your records.
I hope this letter explains the situation, but if you have additional questions or concerns about
this matter, please contact our [redacted]) customer service at[redacted], Monday-Saturday 8am-10pm EST, and Sunday 12pm-10pm EST.

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: [email protected].

Regards,

Review: Capital One has charged me over $300 worth of NSF fees due to multiple transactions from companies that I have requested to not auto draft from my account. Capital One should not have allowed these funds to go through, considering I did not have them and have not authorized overdraft. I have been a loyal customer of Capital One for several years having my checking and credit cards with them and had recommended them to my family who subsequently opened accounts with them. When I tried to call customer service to get assistance they were not helpful even though I explained to them I had been without income for 4 months due to unemployment and had tried to negotiate with these companies.Desired Settlement: I would like this complaint escalated to upper level management and to see these fees refunded. I am a longtime customer of Capital One. My family and I were relying on the funds that Capital One deducted in NSF fees especially considering that I was unemployed for an extended period of time and I would appreciate them looking into what they can do.

Business

Response:

Dear [redacted]:

We are writing in response to the complaint that you filed with the Revdex.com (Revdex.com) regarding your personal checking account ending [redacted]. We understand that you would like all the non-sufficient funds (NSF) fees recently assessed to the account refunded.

According to our records, since the beginning of 2014, the account ending [redacted] has been assessed a total of nice (9) NSF fees. We regret any confusion about the overdraft services on this account, but as per our Rules Governing Account Deposits, checks, drafts, electronic debits or other items presented for payment against the account may still incur a fee if they are returned due to non-sufficient funds (NSF). Our Rules Governing Deposit Accounts are [redacted].

However, we would still like to assist. We are showing $[redacted] in fees were refunded to the account on February 24, 2014. We have refunded an additional $[redacted] in fees to the account ending [redacted], for a total refund of $[redacted]. Please be advised that we may not refund any further fees on the account in the future unless they are due to a bank error.

Hopefully this letter explains the situation, but if you have any additional questions, please contact me at [redacted], ext [redacted].

Sincerely,

[redacted], on behalf of Capital One

Consumer

Response:

Please forward my response to Capital One. Although I am accepting the offer, because they are refusing to refund any thing beyond this.Please forward this message as I wish to notify Capital One, that they have lost me as a loyal/long time customer, and in the near future I intend to close all business that I have involved with Capital One- credit cards, checking, etc., and I will no longer recommend them. I do not expect them to care, as they have shown me in this situation that they could not care less about their customers.

Regards,

Review: My GM buisness card has not worked since capitol one took over from chase bankI have called customer service many timesThey have sent a new card, sill not workingThey have said this and that was wrong we'll get that fixed several times still not workingI am in Florida with my mother as my father has been sick, and died yesterdayThey sent me the last card here last weekThey now say I need another new card, which they refuse to send here in Fla same address they sent to last weekI am so frustrated I want to explodeDesired Settlement: I just want my credit card to workIf you need to contact me cell #[redacted]

Business

Response:

We resolved the customer's concerns by phone on March 3, 2015, and confirmed Mr. [redacted] received his card we re-issued on February 13, 2015. In addition, we informed the customer's current balance as of March 3, 2015, is zero with a credit balance refund on the account for $248.52, but is subject to change contingent upon daily purchases.

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 purchased a pair of boots at [redacted] for my wife for Christmas. I returned the boots to their [redacted] store 2 days after Christmas. In mid-February, my wife noticed that not only were we not credited for the cost of the boots, but late charges on that balance had started to accumulate. We contacted [redacted]. They supposedly launched an investigation (is there any record of this alleged investigation?). They sent a letter saying they have no record of the return and so we are liable for those charges. We disagree. [redacted] made 2 mistakes -- 1. they failed to credit our account at the time of return, and 2. they lost the boots that were returned. They are trying to pin it on us, claiming that we are lying and never returned the boots. I waited in line for over 30 minutes on Dec. 27th to return those boots. They accepted many returns that day, and likely many other days around that day. It is understandable that the boots got lost. They likely got put back onto the shelf to be sold again. Unsure why my account was never credited for the return. Had it been, there'd have been no balance for late charges to accrue against.Desired Settlement: Absolve us of all charges on this account. I did not pay for the boots because they were returned. Any/all late charges against an overdue balance are bogus because had they correctly credited my account for the returned boots, there would be no balance for late charges to accrue against. Thus all charges (~$104.00 as of last week) on this account are bogus. I want [redacted] to wipe the account clean of all charges, then close the account. We will never have another [redacted] charge account again.

Also, remove the negative report on my credit record. [redacted] hit my credit report after being 30 days late on this account. This must be recified as well.

Business

Response:

Dear Mr. [redacted],Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in theExecutive Office of [redacted] for resolution. While [redacted] has an established partnership with Capital OneN.A., we provide the in-house servicing for your [redacted] Charge account. As it is my intent to provide ourvalued customers with quality service, I appreciate the opportunity to review and resolve your concerns.In your complaint, you state that [redacted] failed to process a return to this account, resulting in the accountbecoming past due. You are requesting to have the returned amount credited to the account, the accountclosed, and the information we’ve reported to the Consumer Reporting Agencies (CRAs) updated.Our records indicate that you purchased a pair of boots on November 14, 2014, through [redacted] onlinestore. The transaction posted to your November 2014 billing statement, which I have enclosed for yourreview. On December 29, 2014, you contacted our office stating you forgot to make your payment by theDecember 16, 2014, payment due date. As a courtesy, the late fee was credited back to your account. Ihave enclosed copies of your December 2014 and January 2015 billing statements for your review.You state you returned the merchandise in our [redacted] store on December 27, 2014; however,we are unable to locate any return details for the item. In order to further assist you with your concern, wewould need a copy of or the original return receipt to appropriately credit this account for themerchandise. The return receipt can be mailed to the mailing address located at the bottom of this letteror faxed to [redacted]Our records show you are listed as an Authorized User on the above-referenced account, belonging to[redacted]. Because you are not financially responsible for the account, we are unable to process yourrequest to close the account. Please have the primary cardholder contact us in order to process thisrequest.We understand you would like us to modify the information we reported about this account to the CRAsand remove the derogatory payment history. Our records show the account is reporting as past due forMarch 2015. We have confirmed that we’re reporting accurate information. As a result, we are not able tochange what is being reported. I apologize for any frustration this may cause.Mr. [redacted], I trust the information provided resolves your concerns. If you have any further questions,please do not hesitate to contact me directly at [redacted] I am happy to help.

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: As the owner of the property [redacted], a week ago, I received a credit card statement of [redacted] with the credit card number "[redacted]". I called the Capital One Company and was directed to file the complaint with the Revdex.com. Since that event, I felt depressed and had recurring nightmare about credit card companies asking me for payment of someone else living in another continent. With the understanding that their customer representative might be discriminating against Asian due to the news or any other reason, I understood that no one there was going to resolve the potential identity fraud issue for me. I am just surprised to learn that the credit card company approved the credit card application for Leonard without investigating the information related to the mailing address, acquiring the approval from the property owners or tenants. Since my son was an Air Force and Air National Guard veteran of 14 years, I felt that this complaint might also be related to veterans and their family members.

Product_Or_Service: Capital One Bank Credit CardDesired Settlement: DesiredSettlementID: Other (requires explanation)

The solution of this complaint I am seeking is that the Capital One Bank or its designee letting me know why the credit card approval form of [redacted] can be approved with the false mailing address. In addition, the bank needed to stop Leonard from using any of the financial product using that property address. Then, in the future five years, I should have the right to file lawsuit against the bank for letting [redacted] to ruin my credit

Business

Response:

Dear [redacted], I’m reaching out to you about your concerns to the Revdex.com (Revdex.com) regarding a statement you received addressed to someone else. Please let me share some information with you. Please thank your son on our behalf for his service to our country. Thank you for bringing this matter to our attention. I want to assure you we have resolved the issue and you should no longer receive billing statements for this account at the address listed above. If you continue to receive mail for this individual, you may want to reach out to the US Postal Service. You may also reach out to me directly at the number listed below, if you receive any additional mail from us addressed to someone else. We apologize for any frustration or inconvenience receiving this statement may have caused you and any negative experience you had when speaking with our agents. If you feel you may be a victim of identity theft, you can contact the Consumer Reporting Agencies directly to review your options for placing a fraud alert on your credit report. To assist you, we have provided the following names, addresses, and phone numbers for the Consumer Reporting Agencies below: Experian Equifax TransUnion Innovis P.O. Box 9595 P.O. Box 740256 Corporation P.O. Box 1534 Allen, TX 75013 Atlanta, GA 30374 P.O. Box 2000 Columbus, OH 888-397-3742 800-685-1111 Chester, PA 19022 43216 www.experian.com www.equifax.com 800-888-4213 800-540-2505 www.transunion.com www.innovis.comEQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, [redacted] If you have additional questions, please call me at 800-955-1455, Monday through Friday from 6:45 a.m. to 3:15 p.m. PT. I am glad to help any way I can. Sincerely, [redacted] on behalf of Capital One

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution 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,