Capital One Financial Corporation

Review: Capitol One took $775. Out of my bank account instead of the $35. I authorized.They refunded the $775., but refused to reimburse me the two $35 NSF fees I incurred because of their mistake.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want them to pay $70 I was charged because of their error.

Business

Response:

Dear [redacted],

I'm reaching out to you about your request to the Revdex.com for compensation of fees because of an incorrect payment.

I have attempted to reach you by phone but have been unsuccessful. I have issued a credit in the amount of $** to your account. This credit will be included on your February 2014 billing statement. I'm sorry for any frustration this may have caused.

If you have additional questions, I can be reached at [redacted]. My hours are Monday, Thursday and Friday, from 10 a.m. to 7 p.m. ET; Tuesday and Wednesday from 9 a.m. to 6 p.m. ET. I am happy to assist you.

Sincerely,

[redacted], on behalf of Capital One

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. The business credited the money back to me after receiving your complaint.

Review: Capital one since January has sent me 3 to 4 advertisements per week. I have now called Capital One 475 times asking them remove me from their mailing list. They refuse and I continue to get 4 to 5 mailings per week. I have spoken w/200 different supervisors and noting has been done. This amounts to harassment by mail.My complaint concerns: OtherDesired Settlement: business to never ever contact me again. Also, I may contact the state of IL to ban Capital One from doing business in IL>

Business

Response:

Dear [redacted], I’m reaching out to you about your concerns to the Revdex.com (Revdex.com) about offers you have received from us for a credit card and request to be removed from our mailing list. I’m glad to share more information about this. On August 5, 2015, we received your request to opt out of our mail offers. We’ve updated our records to ensure no further solicitations are mailed. Also, we have removed your contact information from our database. Please know that if a solicitation was already in the process of being mailed at the time we updated our records, it is possible that it may be received over the next several weeks. Thank you for letting us know about your experience. We are always looking for ways to improve the level of service we provide and sincerely appreciate your feedback. If you have additional questions, please call me at 800-955-1455, Monday through Friday from 9:30 a.m. to 6 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: 858834. I am happy 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 am not satisfied with Capital One's response. [redacted] says "On August 5, 2015, we received your request to opt out of our mail offers." They received my request to not receive anymore solicitations from Capital one as of JANUARY 15, 2015 VIA MAIL AND VIA PHONE, OVER 500 CALLS TO CAPITAL ONE AND I WANT CAPITAL ONE TO ACKNOWLEDGE THE TRUE DATE ON THEIR RESPONSE. Their is response that they received it on August 5, 2015 is a lie! Thank you.

Review: Capital One Bank USA has erroneously reported an account to my credit reporting bureaus with no notification to me either before, or after the reporting, by either phone or mail.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Removal of said account from any AND all credit reporting bureaus ie. Experian, Equifax, TransUnion etc. with no possibility of re-posting at any time after removal.

Business

Response:

Our customer sent a complaint to the Revdex.com stating that a tradeline reporting to his credit profile was not his. I spoke with the customer on December 6, 2013, and advised that our Fraud Team had investigated his concerns and concluded that this account did not belong to him and the account would be removed from his credit profile. I advised that this process can take up to 90 days and he may reach out to me in the future if he has any additional concerns.

Review: I was recently approved for a capital one quick silver card but when I tried to enroll the card online I was unable to because capital one said I already have an existing account I was unable to access my account online because I did not remember my old credentials.I have previously opened up a an account with [redacted] in 2010 and I had a capital one platinum card in 2006 both of these accounts were closed out.I could not retrieve the username or password to set up this account.so I contacted the customer service chat I explained to Ally and let me repeat her name Allie the account specialist manager who I spent almost 2 hours online with back-and-forthI explained to her my situation that I did not have a phone at the time and was unable to call to activate the cardI provided her with my Social Security I verified the AA the account number on the back of the card the security code my date of birth but still she would not activate the card for me nor give me the credentials to my old account.she would continue to put me on hold back-and-forth every time I complain to her sheets a hold on the second and would tell me I'm sorry I can't do anything for you and this went back-and-forth for almost 2 hours.I told her that this was something that should've taken only five minutes and this was clearly capital one's fault she proceeded to tell me I needed to call the customer service number but explain to her that I couldn't because my phone was off.I ended up having to use the phone at my employerand.and it took me less than a minute to activate the card over the phone which was something that she should've been able to do for me with the information that I already provided her.but now because there's information that is why I cannot access my account to view my balance to manage the payments see really quite frustrating that capital one with two hours of my day tell me they can't do anythingDesired Settlement: I want capital one to provide me with the credentials to the old account if they cannot do that then I would like capital one to remove all the old information pertaining to the 2006 platinum credit card information they have on file and the [redacted] account so that I can re-register this card to manage the account to make payments you my balance

Business

Response:

Dear [redacted], We were recently notified by the Revdex.com (Revdex.com) of your concerns about not being able to access your account online and your request to activate your new card. I appreciate you taking the time to bring your concerns to our attention. I attempted to reach you at the phone number on file but I was unsuccessful. I have issued a $50.00 credit to your account as a courtesy. Our records show that you applied for this account on July 28, 2015. During the application process, you enrolled the account into our online banking creating a user name and password. You contacted us on August 4, 2015, by chat, requesting assistance with activating your new card and enrolling in online banking. You shared with us that you were receiving an error message when you attempted to enroll the account. During this chat, we shared with you that we are unable to assist you with enrolling your account into online banking and asked you to contact us. You shared with us that you were not able to contact us by phone because the service to your phone has been turned off. Unfortunately, we are unable to assist through chat with enrolling the account into online banking. During the same chat, you shared with us that you would like to activate your new card. I apologize that our chat representatives did not activate your card at that time. Instead, you were advised to contact us by phone. We apologize for any inconvenience this may have caused you. We have provided feedback to the appropriate area. We have confirmed that your card was successfully activated on August 4, 2015, through our automated system and transactions are posting to your account. Your account was also enrolled into online banking on August 8, 2015. If you have additional questions or concerns, please give me a call at 800-955-1455, Monday through Thursday, from 8:30 a.m. to 7 p.m. ET. When contacting me, please be sure to have the following six digit phone pin available: 858834. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me but the point of this complaint was the fact that the lady held me up on the computer for two hours and she kept putting me on holdWhen I was able to gain access to a telephone all I had to do was over the automated system which required the same questions that the lady in chat had asked from me.

Review: I am disputing the annual fee, which I was never informed or notified about.Desired Settlement: I want the annual fee removed, as I was never notified about any annual fee.

Business

Response:

Dear [redacted], I’m reaching out to you about your concerns submitted to the Revdex.com (Revdex.com), about the Annual Membership Fee (AMF). We received your online application on June 30, 2014, with a solicitation code of 12874. We’ve confirmed that the Account Terms were available online, which explained the AMF. On July 14, 2014, the Customer Agreement and the Welcome Kit were sent to you separately. On July, 20, 2015, we credited your account $39.00 for the AMF, I also removed the AMF from your account terms. I’ve enclosed a copy of your Customer Agreement which details everything about your account including the AMF. If you have any questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 8 a.m. to 4:30 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: 858834. I am happy to help in any way that I can. Sincerely, [redacted], on behalf of Capital One

Review: I have been with Capital One credit card services for many years. I have been concerned that they haven't raised my credit limits since the last time I spoke with the woman who handled my complaint from the Resolution's Department concerning this glitch they called it the first time. The took care of it and told me that I should NOT have any problems and each year if I want to submit a request for a credit line increase on my accounts that I should not have any issues with this. I requested this quite a bit using their online system and would get a declined message with different reasons that varied on my accounts that really had no burden on my situation since I am always on time and never late and never over the limit either. I have a stellar payment history with Capital One and therefore I should not be mistreated and or denied these increases and according to the last representative that I dealt with as well. I then called the Resolution Department and they were not willing to even do anything and provided me with more excuses as well as always I ended up back to square one and more confused than ever on the situation.Desired Settlement: I would like to see Capital One come through with their integrity and word of promises. I have been told many different stories when it comes to this and this is just more frustrating to have different people promise the world and cannot give me a simple request. My requests actually benefits them as well as a good customer who is mature and responsible of my accounts should never be penalized for good customer experiences! I really am shocked and surprised that Capital One would refuse my request with my excellent handling of all my accounts.

Business

Response:

Dear [redacted]

This letter is in follow-up to our phone conversation on October 24, 2014, regarding your

concerns forwarded to the Revdex.com about your credit limits. Thank you for your

patience while I researched this matter.

When we spoke, you said you had an extended fraud alert on your credit profile with the

Consumer Reporting Agencies ([redacted]). While our Credit Department was able to verify your

identity and contact you, it was found that your accounts are not eligible at this time. A letter

providing the reasons will be mailed to you in a separate letter, for each of your five accounts.

You may also visit [redacted] for more info about credit limit increases

and ways to become eligible.

Please keep in mind we review our accounts from time-to-time to see if they’re eligible for a

credit limit increase. If your account does become eligible, we’ll let you know.

You mention in your complaint that you had concerns of when you spoke with my colleague,

[redacted]. I confirmed that on September 26, 2014, she submitted your request for a credit limit

increase on each of your accounts, but our Credit Department needed to contact you at the

phone number listed on the extended fraud alert section of your credit profile. This is why they

were initially unable to review your accounts for the credit limit increase requests. If you have additional questions or concerns regarding this matter, please contact me at [redacted] I am available to assist you from the hours of 8:30 a.m. to 5 p.m. PT, Monday

through Friday.

Consumer

Response:

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

I am not accepting the reasons that were stated by Capital One because this is so not the situation here. The accounts in questions range from well over a year such as account ending in #[redacted] have not been raised in more than a 12 month time frame. Account number ending in #[redacted] has been closer to 24 months since any type of raise was made to this account. Account ending in #[redacted] also has not been raised since complaint last dated in Spring of 2013 as per noted with the Revdex.com. There is no valid excuse that Capital One could use to refer to my account request of having credit limits increase as since then 3 of 5 accounts were paid in full with zero balances, the time frames are well past their normal requests for credit limit increases and my payment and usage activities have always been in outstanding reputation. Why would a customer with five accounts in such excellent status and responsibility with their accounts have to be declined for a simple and yet well deserved request?

Regards,

Review: I had a credit card with [redacted]. They charged me my yearly fee in May 2013. They were purchased by Capital One. They moved my acct over to Capital one and it went smoothly until Capital One is now trying to charge me a yearly fee again in October 2013.Desired Settlement: All I want is them to aknowledge the fact that it is a bogus charge. the fact that they tried to do this should be illegal and I want it refunded as well as any over draft fees stemming from it.

Business

Response:

Capital One® Capital One® [redacted]

November 1, 2013

Capital One Case: [redacted]

Revdex.com Case: [redacted]

Dear [redacted],

I’m reaching out to you 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 of your Social Security Number

Your date of birth

If you prefer, you may fax this information to [redacted] or mail it to the above address.

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 a.m. to 8 p.m. PT. I’m glad to help any way I can.

Sincerely,

Capital One

cc: Revdex.com Case

© 2013 Capital One. Capital One is a federally registered service mark. All rights reserved.

Review: Hello Revdex.com Team, My complaint involves Capital One telling me my account is delinquent when I have consistently made payments. I have paid August and September, but they are telling me that my payment for September did not count for September, and was in paid toward August. I paid 150 on September 2nd, 2013, not knowing that that payment would go toward an August amount. Since I had already paid August, I was paying early for my September due date. Sometime in October, I received a call from Capital One saying that I was late for my September Account, and I told them my payment was meant for September's due date. They waived the late fee. I then receive a call today on October 18th from Capital One and I spoke to two people who told me I still owed $25 for September's minimal amount. My payment made in September is for my September due date, so why should I be in collections already? I went ahead and paid the $25 dollars over the phone because I don't want it to be any more late/in collections on an amount that I had already made payment towards. I am completely frustrated and feel that Capital One is taking advantage of me as a consumer due to me falling in one of their billing cycle loopholes. Thanks, [redacted]Desired Settlement: I do not want this to affect my credit, I want them to adjust that payment made in September and put it towards my September 2013 due date, instead of August 2013 due date.

Business

Response:

We have responded to the cardmember by telephone on October 22, 2013. The matter has been resolved and a credit has been issued to the customer account.

Review: I'm sure they will shrug this complaint off again. I have already complained once against this company and I am to the point of reporting them for credit card racketeering with collections and fees. In addition, I may need legal counsel if this company has/will negatively affect my credit.

[redacted]: Since approximately August/September 2014 you have continued to add $35 late fees to my account. My current balance is over $266 because you choose to keep tacking on a monthly $35 late fee plus interest and additional fees. I want to be very clear regarding this, which I have been so far in previous messages to you here, typed letters to your headquarters, and even a complaint with the Revdex.com... I am not paying these fees. These fees are being tacked onto a tiny balance of just a few dollars as a result of interest on an online purchase that I made almost 1 year ago. I made the payment via mail and received the interest charges after I mailed payment, but before it was posted. Since you do not send me statements in the mail, nor did you send collections reminders until you had charged me for $35 times several months, I had no idea this balance was still lingering. You are absolutely looney if you think I am paying these charges. I am closing my account and taking this to higher authorityDesired Settlement: See above complaint. I want this company to reverse the non-sense late fees that they have insisted on charging to my "account" with them over the last several months, which should bring my account to $0. I have already paid for the services and product that I purchased, plus the fees and interest up until that date. I also request that they make any necessary adjustments to any credit agency that they may have reported to. Current account balance with late fees and interest is now up to $266 and rising monthly. I will not pay it.

Business

Response:

Dear Mr. [redacted], Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of [redacted]’s for resolution. While [redacted]’s has an established partnership with Capital One N.A., we provide the in-house servicing for your [redacted]’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 that you have not received any statements, resulting in your account becoming past due. The account was subsequently assessed late fees and interest due to non-payment. You request that [redacted]’s reverse all fees assessed to the account, as well as update the payment information we are reporting to the Consumer Reporting Agencies (CRAs). Our records show we previously responded to similar concerns. In our letter, dated April 11, 2015 (copy enclosed), we explained that late fees were billed to your account due to non-receipt of payment. We also confirmed that your account was enrolled in paperless statements and we had no record of returned emails or emails not being delivered. Respectfully, we continue to uphold this position. For clarity, I have explained the history of your account below, from the transaction in June 2014, through present. On June 24, 2014, you charged $44.44 to your [redacted]’s Charge account through [redacted]s.com. This transaction appeared on your July 2014 statement, which indicated a minimum payment of $25.00 was due by August 17, 2014. Regrettably, we did not receive your next payment of $86.00 until September 27, 2014. This means two consecutive billing periods passed with no payments received, so late fees and interest charges were billed to your account in accordance with our Cardmember Agreement. Additionally, your account was reported 30 days delinquent to the CRAs for September 2014 due to non-receipt of payment. Your payment of $86.00 received on September 27, 2014, along with the fees referenced above and a new transaction of $152.08 charged from [redacted]s.com on September 26, 2014, brought your October 2014 statement new balance to $165.58. This statement also showed a minimum payment of $25.00 was due by November 17, 2014. Again, we did not receive your next payment of $162.72 until March 12, 2015. This means four consecutive billing periods passed with no payments received, so late fees and interest charges billed to your account. Additionally, your account was reported 30 days delinquent for December 2014, 60 days delinquent for January 2015, and 90 days delinquent for February 2015 due to non-receipt of payment. Your payment of $162.72 received on March 12, 2015, along with the above-referenced fees and interest charges, brought your March 2015 statement new balance to $188.73. This statement also showed a minimum payment of $55.28 due by April 17, 2015. However, we have not received a payment since that date. Therefore, late fees and interest charges continue to bill to your account correctly. Additionally, your account was reported 30 days delinquent for May 2015, and 60 days delinquent for June 2015, due to non-receipt of payment. [redacted]’S CORPORATE OFFICES  N54 W13600 WOODALE DRIVE  MENOMONEE FALLS, WISCONSIN 53051 As previously explained, your account is enrolled in paperless statements. Instead of mailing statements to your physical address, a statement ready notification is sent through email advising you when your statement is viewable. We have not experienced any address changes or returned mail that would prevent you from receiving your statements to the e-mail address you provided, which is confirmed in your complaint ([redacted]). If you would like to un-enroll from paperless statements, you can update your statement mailing preferences online at our My [redacted]’s Charge website. We understand you would like us to modify the information we reported about this account to the CRAs and remove the derogatory payment history. We have confirmed that we are reporting accurate information. As a result, we are not able to change 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]. Sincerely, [redacted] Sr. Executive Correspondence Advisor Office of the President [redacted]’s Department Stores

Review: I have for a few years tried to get a "cents on the dollar" amount quote to settle my account in full. They simply will not give me one via email or phone. At times they even say my balnce is "0" dollars. I just want to negotiate a settlement and they are not being very clear.Desired Settlement: Amount required in a lump sum to settle the acount ending in [redacted]

Business

Response:

Dear [redacted],

We were recently notified by the Revdex.com about your request for a settlement.

I attempted to contact you at the phone number on your complaint. Unfortunately, I've been unable to reach you. I would like to help you with your request. Please give me a call at the phone number below.

I can be reached at [redacted], Monday through Thursday from 9:30 a.m. to 6:30 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.

[redacted]:

Review: Sent a letter to Capital one for debt VALIDATION on 11-4-2013. Letter was sent first class, certified, return receipt. Received a confirmation signature. Article number [redacted]. In regards to account [redacted]. Request the service or contract agreement with the creditor with my signature. Ask for original amount of debt, fees, and interest. No response was given. 30 day time frame has expired. I believe this is in violation of the [redacted] and [redacted].Desired Settlement: Have the account removed from all three credit bureaus. [redacted], [redacted] and [redacted].

Business

Response:

[redacted],

I'm reaching out to you about your follow up message dated April 19, 2014, regarding your account.

Our records show your concerns were fully addressed in our letter dated November 13, 2013, which was mailed to [redacted]. As we are no longer the owner of this account, please call [redacted], the buyer, with any further questions or concerns regarding this account. You may reach them at [redacted].

If you have questions regarding your account before it was sold to [redacted] on May 17, 2011, please call me at [redacted], Monday through Friday from 10:30 am to 7 pm PT. 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.

1. Capital One stated THEY sent a letter to [redacted] dated for November 13, 2013 to address my concern. No letter was sent to me from Capital One or [redacted]. IF they did, I request a copy that was sent to [redacted].

2. They are the ORIGINAL CREDITOR so the information that I sent was certified and they should have payment history, date of delinquency, and all the information that I requested from THEM.

3. They stated they could help me with information on the account dated before May 17, 2011. THAT was what I was asking for, again, in the certified letter sent to Capital One.

4. Again, if the information is not verifiable, please have Capital One and [redacted] removed the information from all three credit bureaus [redacted], [redacted], and [redacted].

Regards,

Review: I have been trying to close out my credit card account with Capital One since the 1st week of July. The balance was paid off & the account was supposed to be closed but every billing cycle generates a new statement where miscellaneous charges are being added or processed on the account. The last was 2 charges in August & September from a business we do business with that had already been given a new account # & have told us they no longer have the Capital account info yet Capital One keeps processing the charge. I called them on 10/5 I was told there was a balance of $12.90 from this vendor + a $12 past due fee + a 0.50 cent interest charge. I paid the $12.90 charge & the $12.50 in fees were waived. I was told a "card monitor" would be put on the account so that no future charges could go through. However when I checked the account again today I found a charge for $4.12 on the account. When I called today I was told by [redacted] that it was an unpaid balance from in August as the charge I'd paid on 10/5 was for the charge from September. Yet when I spoke to [redacted] on 10/5 there was no mention of 2 charges for $12.90 & the account was certainly not showing a balance of $25.80 -it was only showing a balance of $12.90 + $12 + 0.50. So somehow between 10/5 & 10/13 this supposed additional $12.90 charge from August mysteriously showed up, then a credit came through from another business for $8.78 (again after the account was supposedly frozen so no further transactions could process) leaving a balance of $4.12 which I've now paid again & assured again that no further charges are supposed to come through on the account. I've been told the account won't close until a billing cycle ends with a zero balance but I keep getting payments billed to an account that supposed to be "frozen" or on "credit monitor" so that no future transactions can process on it by a company that no longer has that credit card info which makes it difficult to get to a zero balance to close the account.Desired Settlement: I want my account CLOSED!

Business

Response:

We closed the customer's account and mailed a confirmation letter. We also put a block on the reoccurring charge.

Review: This is a copy of the note I sent to Capital One:

I feel very much deceived by your milage plan. It is NOT a milage plan. It is a money plan and not a good one at that. As an example, to fly from Spokane to Seattle, about 300 road miles, would cost about $100 or about 10,000 miles by you plan. How close is 10,000 miles to less than 300 miles? This allong with taking 3 or 4 calls to get you to send a paper statement to us leads me to believe that there are better ways to go!

Capital One claims to give 2 miles per dollar spent using their Signiture Credit Card. But it is absolutely a false advertizement. I contacted another credit card company associated with the air lines who offers 1 mile per dollar spent. While a trip to Spokane would cost 7,500 miles to fly to Seattle, it would cost me 12,000 miles to fly from Seattle, WA. to Raleigh, NC. With Capital One, since the ticket costs about $370, it would cost me 37,000 miles (370x100). That is about 3 times the miles in comparison making by capital one giving the customer about one third a mile per $1 spent not 2miles!

The sad thing is that my wife and I have been saving our miles for about 2 years thinking our air fare would be covered, but we can't even go one way on our 58,000 miles!Desired Settlement: I guess Capital One's policy is what it is! But I feel that if they are going to claim milage that milage should be based on what is claimed by other credit card companies. Capital One clearly is not! My desire is that they straighten up their ads on milage so that they do not deceive others as they have us. Atleast state that there are distinct deferences between their milage plan with other card carrying companies

An apology would be nice.

Business

Response:

Our customer is concerned about the No Hassle Miles Rewards program. Customer feels that the redeeming of the rewards accumulated is deceiving. Our research shows that the earnings and redemption of reward program has been disclosed to the customer and is correct. We explained to the customer over the phone that the redemption of accumulated miles earned is correct.

Consumer

Response:

They didn't address the problem but skiped over it as usual at least by my experience. It took me 4 or 5 times to get Capital One to mail to us a hard copy of our monthly statement. Their reply to this problem simply stated that I knew their policy which I acknowage. Exactly what I found out when I tried to use their rewards. That's why I complained in the first place. My complaint is why do they advertize DOUBLE the miles for each dollar spent when actually it takes TRIPLE the points to travel the same distance as othetr mileage plans require. For example it takes 12,500 miles to travel from Seattle to Raliegh where my daughter lives on other plans but with Capital One it takes [redacted] miles with Capital One. Over 3 times the amount! ThereFore Capital One is false advertizing by saying twice the miles. Capital One did call me. I explained to them my problem with them. The Lady I talked to said THEY DID NOT LOOK into other plans when they set their milage but she would look into it and give me a call back. But true to the Capital One did not give me a call back!

Review: Current Annual Fee on Credit Card is 9% of the credit limit. This is excessive. I attempted to have the fee waived and account cancelled OR fee reduced. Capital One refused. It is impossible to pay down debt with an excessive fee like this.Complaint concerns: a Credit CardDesired Settlement: I would like the Annual Fee waived or dropped. I would be happy to pay a reduced fee that is fair.

Business

Response:

Dear [redacted]I’m reaching out to you about the concern you sent to the Revdex.com (Revdex.com), aboutyour Annual Membership Fee (AMF). Your feedback is important to us and I have good news toshare.We understand your concern, so we credited your account $59.00 on April 14, 2015, I alsoremoved the AMF from your account terms.As you requested we have reinstated you’re your account and issued a new card, please allow7-10 business days for your new card to arrive.If you have additional questions, please feel free to call me at [redacted] Monday throughFriday from 10:30 a.m. to 7 p.m. PT. I am glad to help any way I can.Sincerely,[redacted]

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. Thank you very much!

Regards,

Review: Good evening,

I am writing because I am disturbed that as a credit card holder since 2006, Capital One continues to decline credit limit increases for my primary card ending 2400. They have provided several reasons for the decline, most recent a charge off for another card I paid in full. In 2013, I was hit with over hundreds of dollars worth of medical bills which caused me to fall behind. As soon as I got back on track, I paid off the credit card but I always kept 2400 current. Much to my disappointment, I read post after post on [redacted] about people who have credit scores and bankruptcy be approved for credit limit increases after six months of having the card. Not once did I file for bankruptcy, I made sure I paid the bill once I had the money. I've called Capital One and spoke to two supervisors who said there is no one else that can help me but them and they only report to someone who checks their atattendance. Before I write to the CEO,I would to confirm if we can resolve this concern amicably.Complaint concerns: a Credit CardDesired Settlement: Credit limit increase to 3000.00.

Business

Response:

[redacted]Capital One Case: [redacted]Our customer was concerned about difficulties she was experiencing in trying to get acredit limit increase. Our research shows that she used our automated system to applyfor these increases in the past and was declined. We offered to manually review herinformation with our underwriters to see if we would be able to increase her credit limit.We were able to increase her credit limit to $1500.00. I advised this information to thecustomer who was satisfied with the outcome.

Consumer

Response:

I accept Capital One's resolution of my concern. [redacted]

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 believe that Capital One is overcharging me for either the annual member-ship fees and/or imaginary transactions since last year. Back in March 2013, they may have asked me to pay between $200.00 and $290.00 for both annual membership fees and supposed transactions (which I did pay in full). Because I was forced to move to another apartment due to renova-tions, I could not find a physical billing paper including all the fees involved.

Product_Or_Service: Capital One Gold credit card.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

If you could find my online account that includes all the transactions and membership fees (I have been a regular customer in good standing since No-vember 2007), I would ask for a total refund of all unwarranted fees writ-ten by Capital One. I am getting fed up with their increasing billing re-quests.

Business

Response:

Dear [redacted],

Thank you for your recent inquiry regarding your account, and the opportunity to be of service to you. We are issuing you this letter in response to your complaint received in our office from Revdex.com on April 14th 2014. As a member of the Executive Response Committee, part of my role is to review matters of escalated customer inquiry and complaint on behalf the Capital One Bank (Canada Branch) executive offices.

In the referral complaint, it was indicated that you were being overcharged with either the Annual Membership Fee (AMF) and/or imaginary transactions since last year. You also mentioned that you were asked to make a payment between $200.00 and $290.00 for both AMF.

We have reviewed your complaint and investigated using all available information. On January 8th 2013 statement, the balance on the account was $[redacted] which included the AMF of $[redacted]. From the balance owing in January 8th 2013 statement, a payment of $[redacted] was made on January 29th 2013. Also, a charge was made by [redacted] on January 30th 2013 for the amount of $[redacted]. The remaining balance owing on the account was $[redacted] which was paid by you on February 1st 2013.

According to your account terms, the membership fee is the annual fee that covers benefits associated with your credit card. The AMF is billed yearly to the above account in the amount of $[redacted]. A review of the account revealed that the AMF was charged on January 8th 2013 and again on January 8th 2014.

We appreciate the time you took to provide your input. We apologize for the inconvenience caused to you.

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.

Regards,

Executive Response Coordinator

Consumer

Response:

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

I looked at the most recent e-mail sent by Capital One Canada. Even though some of their inquiries are legit regarding past 2013 transactions, I still have some doubts about 2014 charges. Because I have heard countless times that several credit companies have overcharged their clients, that is why I am asking you to verify their charge/hidden fees mentioned/not mentioned in my account. Finally, you have to remember that Capital One has not sent me any refunds as far as I can remember within the last 7 years. I will simply ask you to check my up-to-date account for possible refunds and other charges. Thanks in advance. So long!

Regards,

Review: I was a cosigner on a capital one credit card with my husband, and the credit card was included in a chapter 13 bankruptcy repayment plan. Capital One is aware of this, but they will not update my credit because they said their policy is to do this at the conclusion of bankruptcy(which is in 5 years). I have asked multiple times for this debt to be reflected in the bankruptcy because my bankruptcy was confirmed last year with the US bankruptcy court and all of our creditors.Desired Settlement: I want my credit and my husbands credit updated because it is currently showing a delinquent balance of $1227.

Business

Response:

I was able to speak to the customer and honor her request. I was also able to provide her with information regarding Bankruptcy reporting. The customer was satisfied with the resolution.

Review: Contacted Capital One to reopen a dispute claim, was told I could not reopen the claim, even though I was told by a previous representative I could re-open the claim. Was disconnected 3 times while talking to a representative.Desired Settlement: Credit of 27.98 for disputed transaction. I have contacted the merchant and they can find no record of order being placed under my phone number or the number of the person who placed the order, thus they cannot refund the transaction. I do not have the cash receipt, the order was not received by me. The person who received the order did not hold on to the receipt, it was not anticipated there would be a need for it later.

Business

Response:

We were able to credit our customer’s account for $[redacted] so that she would not have to continue to try to resolve the issue with the merchant.

Review: I have closed my account and destroyed my credit card. Capital One does not give any access to my account number either online or on my statement. I would like to transfer my balance and thus lower my interest rate but I'm unable to do that without my account number, which capital one is refusing to provide me.Complaint concerns: a Credit CardDesired Settlement: I want Capital One to provide me my account number.

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com Case No: [redacted] Dear [redacted], This letter is in response to your complaint to the Revdex.com, on your account. We value your feedback and I’d like to share more information with you. As discussed, I have enclosed a printed copy of your January 2015 billing statement. In your complaint, and during our discussion, you mentioned that our Customer Service Internet Team was unable to provide you with your full account number in spite of the fact that your account is closed and your several requests. This information is correct; whether an account is closed or open and active, we cannot provide full account numbers and expiration date by phone, email, or mail. However, upon your request and verification of your identity, alternatively, we can provide a hard copy of the billing statement which includes the full account number. This information can be located at the bottom right hand side of the first page of your monthly billing statements. I appreciate you providing feedback about your recent experience when contacting our Customer Service Internet Team. Your feedback has been forwarded to the appropriate area for review. We take these matters seriously, because it helps us to identify an opportunity to strengthen our position on delivery of service. We have valued your business since June 2012 and I am sorry to hear that you recently closed the account. If you have questions or concerns, I can be reached Monday through Friday at [redacted] from 8:30 a.m. to 5 p.m. PT. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Review: I had a Capital One Credit card which I cancelled several years ago and up until two months ago they have demanded 3 times the min amt due, I paid them $15 a month an paid on Oct 8 $15, this was not posted until Oct 28, I sent a letter to dispute this along with a statement from my bank, I never heard from them, I also contacted an [redacted] to report this Alert, [redacted]. My [redacted] report also stated I paid $15, howver this account could be negative to my credit report. I also applied for a retail credit card and Capital One turned me down.

Product_Or_Service: Credit

Account_Number: Credit cardDesired Settlement: DesiredSettlementID: Refund

I am sending them $60 for Dec 22 payment because I do not want them to charge me again for being late But this company should be investigated.

Business

Response:

This is a duplicate case to CFPB case we received. We will respond under the CFPB channel. Please remove.

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,