Capital One Financial Corporation

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,

Review: I APPLIED FOR A CREDIT CARD ABOUT A YEAR AGO FROM CAPITAL ONE. THEY SENT A LETTER OF DENIAL. DEAL DONE - NOTHING. YESTERDAY, I RECEIVED A STATEMENT FROM CAPITAL ONE STATING THAT THE YEARLTY FEE WILL BE BILLED TO 'MY ACCOUNT' NEXT MONTH. I NEVER RECEIVED A CARD FROM THEM, NEVER ANYTHING IMPLYING THAT I WAS FINALLY APPROVED - NOTHING. MY WIFE CALLED THEM AND SAID 'SEEING AS HOW THERE IS NO ACCOUNT WITH THEM HOW CAN WE OWE THEM A FEE?" THEY WOULD NOT TALK WITH HER. SHE TOLD THEM THEY HAD NO CHANCE IN HELL THAT THEY WOULD GET ANY FEE AS THEY HAD DENIED US AND WE NEVER RECEIVED ANY CARD OF ANY TYPE.Desired Settlement: THERE IS NO FEE AS THERE WAS NEVER AN ACCOUNT ESTABLISHED.

Business

Response:

We removed the Annual Membership Fee from the account's terms.

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: 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: 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: My mother passed away in April 2013. She had a loan that was originally owned by [redacted] which was purchased by Capital One 360. Upon her passing I have provided Capital One 360 with a certified death certificate, notice of direction and a copy of the [redacted] (which my name appears on). I wish to refinance the property and not use Capital One 360 as it is not a primary residence. Since May 2013 I have paid a lawyer to open an estate which would give me a Letter of Administration and a Letter of Testamentary. This was done in July and sent to Capital One. I have made over 20 phone calls to check status of the paper work and something is always missing which is preventing me from getting payoff to this loan, which hinders my ability to use another financing institution to get a loan. Every time I call I must speak to a new person and describe the situation and every time something is “missing” that is required. This process takes over an hour EACH time that I call.

I feel Capital One is slowing this process down in order to keep making money from the mortgage of my deceased mother and is creating a hardship for meDesired Settlement: I want access to my mothers loan information (both house and equity loans) so that I may obtain a new loan from a different institution.

Business

Response:

Dear [redacted],

I have reviewed the situation that you explained to the Revdex.com ("Revdex.com") and want to address your concerns regarding [redacted] Capital One Mortgage. At this time of writing, this issue has been resolved.

First of all, we note that on May 10, 2013 you notified Capital One of the passing of your mother [redacted]. Please accept our condolences for your loss.

In your complaint, you state that Capital One refuses to provide you with a payoff statement for [redacted] Capital One Mortgage and Home Equity Line of Credit. You also state that you have repeatedly provided the documents required to release a payoff statement. In order to resolve your concerns, you request that we provide a payoff statement for both loan accounts.

We have taken this opportunity to review our records and have confirmed that all of the requested documents were not received until September 23, 2013. We received a copy of the death certificate and the quick claim deed on May 10, 2013. On several occasions you were notified via mail that we still needed a copy of the Letters of Testamentary or Letter of Administration. Please be advised that we were unable to provide you with a payoff statement without this documentation.

Upon receipt of the Letters of Testamentary on September 23, 2013, we mailed the Capital One Mortgage payoff statement on September 25, 2013 and Home Equity Line of Credit payoff statement on September 27, 2013. These statements were mailed to the address listed above. You should receive the letters within five to seven business days from those dates.

We thank you for taking the time to write us and appreciate the opportunity to address your concerns. If you have any additional questions or concerns, feel free to contact us at [redacted]. For your convenience, we are available from 8:00 am to 8:00 pm, seven days a week.

Sincerely,

[redacted] On behalf of Capital One

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: On July 8, 2013 I paid 351.00 to pay off my balance of 350.00 and odd change. On Sept 2013 I recieved an email regarding overdue charges so I called them and come to find out , they are charging me 43.14 for membership charge and 15.69 enterest which is a total of 58.83. I called them to see why they were charging me now a total of 99.00 and I told them I wanted to cancel my card but they still want me to pay the membership fee which I dont understand if im cancelling why are they charging me. I hope you can help me in this matter because I work hard for my money and I think this is wrongly being done.Desired Settlement: I would like them to close my account and leave my balance as it was on 00 when I paid my last balance.

Business

Response:

We waived the fees in question and advised the customer her balance is now

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: I have been a loyal customer of CapitalOne for many years despite the repeated issues that this company kept putting before me. However, several days ago my account with them got blocked for unexplained reason. As I have called to find out the cause of this problem I was told that the 'Executive Response Team' needed to talk to me. I have actually requested to talk to them on several occasion over the course of the previous month, but my requests and voicemails that I've left have always been unanswered. I was also told that until I speak with someone from that department I won't be able to reactivate, nor close the account, nor withdraw my cash-back dollars. I have once again requested to receive the call from them, which hasn't happened over the course of the past 3 days, even though their claimed turn around time is 24-48 hours. There was, however, a change on my account: it is now listed as 'Closed' and the ~$6500 in cash-back points that have been accumulated on my account have disappeared.Desired Settlement: At the very least I would like to receive that promised phone call from whatever 'response team' I am supposed to receive it from. What I would also like is for CapitalOne to pay-out the cash-back dollars that I have accumulated on the account and which remained the main reason why I loyally continued to use this card despite the multitude of hurdles this company likes to impose on their customers. Ideally, I would like to have my account reopened, however that is not mandatory at all.

Business

Response:

[redacted]

January 15, 2014

Re: Account ending in [redacted]

Dear [redacted]

This letter is further to the letter issued on January 10, 2014 as well as your recent complaint filed with the Revdex.com.

In your complaint to the Revdex.com, you explained that your account had been closed by Capital One’s decision, but that your Rewards balance had not been redeemed. You also stated that you’d like to have your account re-opened, but that this was not necessary to the satisfaction of your complaint.

As explained in the letter of January 10, 2014 your account was closed in accordance with the Customer Agreement associated with your account. The decision to close your account was based on past and present interactions with Capital One staff, particularly in the Disputes department. It appeared upon review of your account history that you have received several months of service that did not meet your expectations – specifically, you have had multiple disputes transactions on your account at various points of time in which you refused to provide additional and supporting documentation pertaining to your disputed transactions. There were multiple reports that you had acted aggressively and abusively when dealing with staff at Capital One contact centres. As a gesture of goodwill, the current dispute items ($[redacted]) were credited to your account before closing. In addition, your Rewards balance was redeemed and that amount was applied to your account balance. As explained in the previous letter, this could take 5 to 7 business days. Upon a review of your account, we note that this amount posted to your account but that you had been in contact with the contact centre today and requested that the Rewards balance be sent to you by cheque. It appears this request has been fulfilled. The decision to keep this account closed will stand.

If you remain unsatisfied with this response, you may contact Capital One’s Office of the Ombudsman. It is important to note that this Office investigates complaints in accordance within its own mandate and terms of reference. This mandate does not include matters of general policy.

Mail: Office of the Capital One Ombudsman

E-mail: [redacted]

Fax: [redacted]

Regards,

Capital One Bank (Canada Branch)

Review: I am writing to dispute the following information that your company provided to trans union report has incorrect information

capital one was included in my bankruptcy and should be remove from my credit file.. I am requesting that capital one bank have the item removed from my credit file.

Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete as soon as possible.

Sincerely, [redacted]Complaint concerns: a Credit CardDesired Settlement: I am writing to dispute the following information that your company provided to trans union report has incorrect information

capital one was included in my bankruptcy and should be remove from my credit file.. I am requesting that capital one bank have the item removed from my credit file.

Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete as soon as possible.

Sincerely, [redacted]

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com Case: [redacted] Dear [redacted], I’m following up with you about your complaint to the Revdex.com regarding information we’ve reported to the Consumer Reporting Agencies (CRAs), like [redacted] and [redacted].We understand you would like us to remove the account from your credit profile. We received notification of your bankruptcy on April 14, 2014. Our records show your account ending in [redacted] is reporting as discharged through Chapter 7 Bankruptcy. We’ve confirmed that we’re reporting accurate information. As a result, we are not able to change what is being reported. If you have any questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 5 p.m. ET. I’m glad to help any way I can. Sincerely,[redacted], on behalf of Capital One

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: I applied for the capital one card after my bankruptcy was discharged.

I have been faithfully paying my bill on time, with a four day grace period.

The first of January, I receive a bill that I was late with my payment. I called and said I had a four day grace period. I was told that I do not.

I emailed Capital One and they refuse to refund the $33.00

I talked to someone online and they worked to have the fee taken off.

They applied the same one and charged me again.Complaint concerns: a Credit CardDesired Settlement: Refund all the $99.00 in fees.

Give me a 4 day grace period, including weekends.

No other payments will be made until this is resolved.

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com Case: [redacted] Dear [redacted], I am reaching out regarding your complaint to the Revdex.com on January 27, 2015, about your payments, past due fees, and the grace period of your Capital One credit card. I was unable to reach you by phone, and I’d like to share my findings. A past due fee of $35.00 was billed to your account on January 5, 2015, because we did not receive your minimum payment of $42.00 by your January 5, 2015, payment due date. I have credited the past due fees of $25.00 that was billed on November 5, 2014, and $35.00 on January 5, 2015. You’ll see these credits on your February 2015 statement. We have received a payment for $25.00 on January 9, 2015. This payment will be applied to the minimum amount of $94.00 due by February 5, 2015. In order to avoid additional past due fees, please make the remaining payment of $69.00 by February 5, 2015. Your payment due date does not have a grace period, as your payments are due by your payment due date of the 5th. The grace period for your Capital One credit card is the period of time you have to pay your bill without being charged interest on transactions. This is the time from your statement date, or cycle date, to your payment due date. Your account is under grace only if your balance was paid in full the previous month. We appreciate the opportunity to address your concerns. If you have any additional questions, you may contact me at [redacted], Monday through Friday, from 9 a.m. to 6 p.m. ET. Sincerely, [redacted], on behalf of Capital One

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: Upon settlement of my account to resolve the debt owed to Capital One Bank, the derogatory credit information was not removed from my credit report. My understanding in July of 2012 when agreeing on a settlement, was that upon payment the derogatory account information was to be removed from credit report. I have been communication with the company for almost 6 months, written several letters and they have yet to remove the account information. Capital One Bank has failed to comply with the agreement and has caused significant damage to my credit and finances due to legal counsel on this matter. The company's noncompliance is unacceptable and a formal complaint is necessary for this matter to be resolved.Desired Settlement: Removal of the derogatory account history from my credit report

Business

Response:

Dear Sir/Madam:

Your complaint to the Revdex.com was forwarded to the attention of our Executive Office for response. We appreciate the opportunity to address your concerns.

Unfortunately, the limited information that was provided within the complaint is insufficient for us to address your concerns. However, I do want to assist you. In order to do so, additional information will be required.

So that I may appropriately address your concerns, please provide me with the name and address we have on file, full 16-digit account number, your date of birth, and the last 4 digits of your social security number within your mailed correspondence.

Your correspondence may be sent to me directly at the following address.:

Capital One

Attn: [redacted]

[redacted], [redacted]

If you have any questions, please feel free to contact me at [redacted]. I am available Monday through Friday from 8:30 AM until 4:30 PM Eastern Time.

Review: I completed a transfer online from an external account to a Capital One 360 Savings and was never informed about the required 5 day hold at the time of the transfer. The only message displayed at the time of the transfer was that the transfer would be completed by September 4th, 2015. It was not until the money left my external account and was in the activity of the Capital One 360 Savings that I had knowledge of any hold. The activity reads that the money will not be available until September 14th, 2015. I called customer service and was informed that I should have been informed and that there was nothing I could do but wait. They would not do a partial release of the funds either.My complaint concerns: a Banking Account (Savings)Desired Settlement: A release of $1,000 and a revaluation of your transfer website.

Business

Response:

Dear [redacted], We’re writing in response to the complaint you filed with the Revdex.com (Revdex.com) regarding the hold on the $30,000 transfer from your [redacted] checking account xxxx[redacted] to your 360 Savings xxxx[redacted] on September 4, 2015. We understand that when scheduling the transfer online, our website advised the funds would transfer on September 4, 2015. Please know that we reviewed your web session from September 4, 2015. During the session, you requested to transfer $30,000 from your [redacted] checking account xxxx[redacted] to your 360 Savings xxxx[redacted]. We confirmed that on the “Validate” and “Confirmation” pages, the website correctly advised the funds would be available on September 14, 2015. For your records, we enclosed screenshots of your web session showing the availability date with this letter. As stated in the Terms and Conditions for 360 Savings, these types of deposits are on hold for 5 business days. As a result, we’re unable to remove the hold on the funds prior to that date. To review the Terms and Conditions, please visit https://home.capitalone360.com/terms_360savings. If you have any additional questions regarding this matter, please give me a call at 1-302-255-3277. I’m available from 8:30 AM to 5:00 PM ET, Monday through Friday. Thanks, [redacted], on behalf of Capital One

Review: I emailed Capital One stating I am trying to locate to which collection agency they forwarded my debt to. In the email I stated that I wanted this information in writing. Their reply was a genetic response stating due to security reasons they could not release this information via email and a number to call to speak to a Capital One Representative. The number in fact turned out to be [redacted] Agency. While I spoke to a nice person named [redacted] and was told he will forward me information [redacted] has on file. I emailed Capital One back five times stating I wanted the information directly from Capital One who currently owns my debt and which collection to contact IN WRITING. I stated in the email I understand the security issues to please mail the requested information to the US Postal mailing address they have on file for me. They refused replying with the security unsecured email nonsense. Not acknowledging my response for it to be mail to my address they have on file to me...the same address they do not have issues sending me monthly bill for another account I have with the company.Desired Settlement: I would like Capital One to send me in writing whether it is via email or the US Postal mailing address they have on file for me the following information:The name of the collections agency that owns my debt. Their contact information. The totally amount owed and the date it was sent to collections. Again I want this information in writing. I am trying very hard to get my finances in order. I just want to make sure I am paying the correct agency.

Business

Response:

Re: Account ending in [redacted]

Capital One Case: [redacted]

Revdex.com No: [redacted]

Dear [redacted]

We were recently notified by the Revdex.com of your complaint regarding information about your account. We’re glad to share more information about this.

I’m sorry for your frustrations about our previous e-mail responses. Unfortunately, since we received your previous requests from a regular e-mail, it wasn’t secure. For your protection, we require verification before we release any information. Again, we apologize for this inconvenience.

The address we have for your account is [redacted]. I see that the address we have on file and what is on the Revdex.com complaint is different, please advise if you would like the address updated to reflect what is on the Revdex.com complaint.

My research has confirmed that the account charged-off on January 20, 2012, with a balance of $2,877.22, and was sold to [redacted] on August 15, 2013. For your records, [redacted] can be contacted at 1[redacted].

If you have additional questions or concerns, please give me a call Monday through Friday at [redacted] extension [redacted] between the hours of 9:30 a.m. to 6 p.m. PT. I’m glad to help any way I can.

Sincerely,

Review: I opened a QuickSilver [redacted] account with Capital One. Copied below are the terms (copied directly from their site): Rewards: 1.5% cash back on every purchase, every day [redacted]One-time $100 bonus once you spend $500 on purchases within the first 3 months[redacted] The cash back you earn doesn't expire Redeem the cash back you earn for any amount, any time Get your cash back as an account credit, check, or gift card Additional Rewards information. I spent $500 within the first three months and now Capital One is refusing to honor what's printed in their own terms. I've called several times requesting that capital one credit my account and they've refused ALL times!Desired Settlement: I want the $100 promised in the terms and agreements!

Business

Response:

Our customer wrote into the Revdex.com requesting that we give her an early spend bonus. This request had already been processed. I contacted the customer to inform her of the update.

Review: They have put my account in collections. Collection wants me to pay more than what my original balance is. They said it's called a settlement, but the rest would go on my credit report.Desired Settlement: I would like to pay my original credit limit.

Business

Response:

Dear [redacted],

I’m reaching out to you about your concerns sent to the Revdex.com regarding the servicing of your account and information we’ve reported to the [redacted], like [redacted] and [redacted] I would like to share more information about this.

Our records show that your January 2014 billing statement showed a new balance of $724.26, along with a minimum payment for $22.00 that was due by February 25, 2014. I confirmed that payments were not received for your February 2014 through April 2014 billing cycles. An online payment was made on May 30, 2014, for $150.00. The payment was stopped on June 2, 2014, by your bank. Since payments were still not received for the May 2014 through the August 2014 billing cycles, the account charged off due to delinquency on August 29, 2014, with a balance of $954.62. We’ve confirmed that we’re reporting accurate information and are unable to modify it in any way. The account is now being serviced by [redacted]. They advised us that they spoke with you in the past and offered you a monthly payment plan for $49.51 until the account was paid in full. If you would like to settle on the account, you can settle for a single payment in the amount of $750.00. Please contact [redacted] directly at [redacted] to talk about the details.

If you have additional questions or 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,

[redacted], on behalf of Capital One

Review: On june 15 I got a loan to pay off this account; on june 20 went to my account to check my remaining balance and it was 1486.27 so I send payment of 1486.27, assuming this debt was paid; this day I check my credit and this account still got a balance of 62.93 they are charging me with july and agoust if the balance was paid off on june. I having probles with this company before thats why I got a loan to paid it onece in for all still got charge.any help will be apreciated thanks in advance.Desired Settlement: No finance interest charges on account paid off.

Business

Response:

Dear [redacted],

This letter is in follow-up to our phone conversation about your complaint to the RevDex.com.

Our records show that a payment of $1,486.27 was received on June 20, 2014. This payment

did not cover your statement balance of $1,516.53. The unpaid amount of $30.26 was interest

that was owed on the unpaid balance from the time between when Capital One calculates the

balance due and sends a statement, to the time the balance is paid and we process the

payment. As a courtesy I have credited your current account balance of $62.93. The account

will report as open with a zero balance. This credit will reflect on the August 2014 billing

statement.

If you have additional questions or concerns regarding this matter, please contact me at [redacted]

[redacted] I am available to assist you from the hours of 8:30 a.m. to 5 p.m. PT Monday through

Friday.

Sincerely,