Capital One Financial Corporation

Review: I authorized a one time payment they are pulling money out of my account without authorization. in fact I told them how and when I would pay it just a week agoDesired Settlement: I want them fined and punished for unauthorized withdraw on my account.

Business

Response:

Dear Mr. [redacted] I am writing in reference to your submission to the Revdex.com regarding your Capital One Auto Finance account ending -[redacted]. This matter was forwarded to Capital One for research and response. We apologize for any delay you may have encountered in obtaining a resolution to your concerns. Thank you for speaking with me on June 5, 2015, via telephone, regarding your submission. During our conversation you stated you authorized the payments referred to in your letter. You further explained that you did not realize that you had done so when you wrote the letter. You also explained that you were unable to access your account online. If you are still unable to access your online account, please contact Capital One 360 Web Support at (866) 833-1620. The Web Support department is open 7 days a week from 9:00AM to 8:00PM EST. If you have any questions regarding this response, I can be reached at [redacted]. Sincerely, [redacted] Office of the President, Financial Services Capital One

Review: Our truck went up for repossession on Tuesday I called that same day to figure out a payment arrangement. I talked to two different people that day got two different answers. I asked what payment options we had to pay off their bill for our vehicle I got two options pay it in full, or $700 a month for 12 months he called it a "settlement". Which would be half of what they want ($14,354.59) $8,400 is their settlement amount. Please note we are a low income family and this vehicle gets my husband to and from work everyday. Now I was told normally this company only allows a full pay out within three months, the only reason we got a 12 month option because we had a previous bankruptcy which the vehicle was included in. This seems a bit crazy, I offered to put $700 down that day to take away the repossession order but then we would have to continue the $700 for 11 months, which monthly we do not bring in that amount, they would not work with us to pay this bill. They would not allow a lesser amount like $400 a month which we could pay, or extend the amount of months to pay it off. Plus the person I was speaking to could not let me as to why we owe $14,354.57, and could not tell me what was owed or if it was a interest rate that was tacked on, he did know that is a different department. So our truck that my husband worked for, and needs to be able to go to work has been repossessed because this company would not try to work with us, I honestly don't understand as to why they wont accept a smaller amount or maybe even extend the time allowed to pay it off. We want to pay them we just cannot afford the amount.Desired Settlement: Instead of taking vehicles why not have other payment options, lesser amount for normal hard working minimum wage people. Make time to pay longer, don't just say this is how much you owe just pay it. Be reasonable which most companies are to a point, other auto loan companies just want money and to them as long as they get paid for that month or weekly they are happy. Please work with your customers don't deter them be reasonable, people work hard for what they have and having a large company I think somewhere you lost the compassion, and the want and desire to help your customer's.

Business

Response:

Dear [redacted],

We have reviewed the situation explained in your complaint to the Revdex.com and would like to address your concerns. We are authorized to speak to you pertaining to your spouse, [redacted] Capital One Auto Finance (COAF) account. Please note that the information provided in this response to your complaint is being provided for informational purposes only and is not an attempt to collect a debt.

Our records confirm that the account was included in a Chapter 13 bankruptcy that was dismissed December 20,2013. During the bankruptcy the account terms were based off of the bankruptcy agreement; however, when the bankruptcy is dismissed the account goes back to the contractual terms. Because the bankruptcy payment plan is less than the contractual payment amount, when the bankruptcy was dismissed the account was severely past due.

On April 14,2014, we received notification of the account being included in a new Chapter 13 bankruptcy. As a result, the vehicle was returned to [redacted] on April 17, 2014.

If you have additional questions regarding this matter, please contact our Bankruptcy Department at [redacted].

Sincerely,

Office of the President, Financial Services

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.

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

The letter I received was pertaining to a bankruptcy, not my actual complaint of how they did not have any payment plans offered to their costumers. The only reason we had to a bankruptcy was because they did not offer any reasonable payment plans this solves nothing.

Review: Hi I am writing regarding an issue with one of my credit card accounts. On 2/6/14 I chatted with a rep via the online chat to inquire about the status of my account. The rep informed me that the account was temporarily suspended due to missed payments and said that if I paid 239 the account would be brought up to date and the temporary suspension would be removed. I scheduled a payment of 351.xx for 2/12/14. I called in last week to find out why my account was now showing "Restricted" and I am told that my account was closed. Then I'm told that if I had made the payment on 2/7/14 my account would not have been closed. My issue is that I specifically asked the rep the status of my account and I was not told that it would be closed if the payment wasn't received by the 7th. In addition to that the rep waited for me to schedule payments on my other 2 accounts and still didn't mention anything about the time sensitive nature of this particular account. This is misinformation and negligence on behalf of Capital One so I'm unsure why do I have to suffer as a consumer. This is wrong and I would like to have this issue addressed. It's not fair that my account is closed because I was not properly informed on the status of my account after specifically asking. Not only is my account closed,this will now report negatively on my credit report due to no error of my own. I have a copy of the chat transcript if needed. I have been satisfied with my experience with Capital One up until this point. I would like this looked into and rectified.Desired Settlement: I would like to have my account reinstated.

Business

Response:

Our customer is requesting for the account restriction to be removed. Our records show
that we did not receive the minimum payment due by the due date to prevent the
account from being permanently restricted. We have removed the restriction from the
account and communicated our actions to our customer.

Review: I have contacted Capital One various times regarding a credit line increase. I have been told numerous times that "my type of account does not allow requested lines of increase." I have questioned, what is "my type of account." No one has been able to provide clarity to this answer. I recently received a letter that stated that because my account has been past due within the last 9 months; it was not eligible. However, I have been with Capital One for about 4 years now and have NEVER had a late payment aside from the most recent. Even within this recent late payment, it was paid almost immediately. I simply forgot the payment date due to hectic scheduling. The point here is that within my tenure with Capital One and my excellent payment history; my account's line of credit has never been increased; without valid reasoning. No customer service representative has been able to provide additional information.Desired Settlement: I would like a VALID - detailed; well supported answer regarding the lack of historical credit line increases to my accounts.

Business

Response:

I was able to reach the customer and provide her with the results of her Credit Limit increase request results. I further explained that accounts can be periodically reviewed for a credit limit increase but it is not a gaurentee or a requirement. I apologized that her previous attempts to get this information were frustrating. Customer was not Satisfied with our resolution.

Review: Fraudulent charges were made on my account that I was unaware of. Once I became aware I called capital one to resolve the issue. One service representative refused to transfer me to the fraud department until I paid the balance, when I refused and asked for a manager she hung up on me. I called back and seemingly resolved the issue with the fraud department. After receiving a letter I called once again to resolve the fraudulent charges where the fraud department transferred me to another department to pay the balance. When once again I refused, they hung up on me. After calling back a fourth time, the representative told me he could not help me after a lengthy hold and asked that I call back again tomorrow.Desired Settlement: I would like to speak to a service representative who will not insist that I pay for fraudulent charges on my account and will help me to resolve the issue without hanging up on me.

Business

Response:

Dear [redacted], I am responding to the complaint we received from the Revdex.com (Revdex.com) about your credit card account. I am sorry for any inconvenience this matter may have caused. We investigated the transaction that you reported as fraudulent and, as a courtesy, we have credited the full amount of $145.17 to your account. This amount includes the disputed transaction of $46.89, which posted to the account on August 24, 2014, past dues fees of $95.00 and interest of $3.28. The current balance on your account is $0.00. As you requested during a phone call with our Fraud agent, we have closed your account. The account is being reported to the Consumer Reporting Agencies (CRAs) as closed by the consumer with a $0.00 balance. Please allow up to 60 days for this update to be reflected in your credit files. We have confirmed through public records that you are the primary cardholder for this account, but the name, address and phone number on your complaint do not match the name, address and phone number on record for the account. If you wish account records to reflect the name and address on your complaint, please call me to confirm your new contact information so we can make the necessary changes. You may reach me at [redacted], Monday through Friday from 8:30 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 Bank is not giving the credit which is due to my account. My account is on auto-pay and has never been past due. For this reason, this company should not charge me of interest. They also need to credit my account for an unauthorized charge which happened after my card got replaced. It means that the unauthorized company should not have access to my account after Capital One replaced my credit card. $1.03 for the bill due 06/23/2013$11.38 for the paid bill due 05/23/2013$39.95 from justfab.com - this is NOT AUTHORIZED. My card has been replaced and this company should not be able to charge me again. I HAVE NOTHING TO DO WITH THIS CHARGE AT ALL.Desired Settlement: Capital One needs to give me the total credit of $52.36.

Business

Response:

The customer had concerns regarding a disputed transaction. We credited the transaction in question and interest charges related to the transaction as a courtesy.

Review: I had an account with Household Bank. The credit card account was paid in full. Capital one took over Household Bank and know they are charging me 39.00 dollars for membership fee. They claim they sent me a notice about the fee, but that is not true. I looked at my statement today and a card that was zero balance now has a 39.00 fee, plus they have audacity to charge me 25.00 late fee. I called and they were no help. They claim they sent me a bill for the 39.00. I did not choose to go to Capital One why should I have to pay for an account that was paid in full.Desired Settlement: I will like my account to reflect ZERO balance the way it was before.

Business

Response:

Telephone closure I called the customer and we discussed that the change ion terms letter was sent on 4/08/13 and she advised that she could have over looked it because the account was at a zero balance. I advised that I credited a total of $[redacted] which included the Annual Fee of $39.00. I explained that the Annual Fee was permanently removed from the account and the credits would be on the October 2013 statement. I ensured she had my contact information. The customer was satisfied with the resolution.

Review: My car, which was paid for in cash, was taken by Capitol One because they erroneously put a lein on the vehicle. I have never been a Capitol One customer. I have the title to the vehicle but they took my property and it took over a week to get the vehicle back from them.My complaint concerns: OtherDesired Settlement: I want to get reimbursed for the expenses I incurred in trying to get my car back from Capitol One and the time and effort my wife and I have expended in doing so.

Business

Response:

Dear Mr. [redacted],We have reviewed the situation you explained to the Revdex.com and wantto address your concerns.We appreciate the opportunity to address your concerns and have forwarded yourcustomer experience feedback to the appropriate manager to review. We assure youthat Capital One is committed to providing superior quality serviceWe have conducted a thorough investigation into your concerns, and confirmed that wehold a valid lien on the [redacted], which is nowin your possession. Our lien was removed without our knowledge or permission. Ourrecords confirm that we never issued a lien release on the above vehicle. Due to thenature in which our lien was removed from the title for the above vehicle, we believe thatwe had a right to possession of the vehicle when we repossessed it on September 14,2015.However, as a gesture of goodwill, we agreed to return the vehicle on September 21,2015. Prior to returning the vehicle, we had it washed and filled with premium gasoline.We also offered a $50 gift card. Please note, while we have agreed to return the vehicle,we are not warranting the validity of your title.Based on the above facts, we respectfully decline your demand for $17,000. However,we would like to reach an amicable resolution in this matter. Please contact me directlyat [redacted] to discuss this matter further.We regret any inconvenience this matter may have caused you. If you have questionsregarding this specific response, I can be reached at [redacted]Sincerely,

Review: On August 10, 2013 I pull my annually credit report and notices there are some delinquent on my credit report, when I examine my credit report come to find out it was my ex-husband business ([redacted]) had been charge on this capital one card. He had not been made regular payment. That is the reason in delinquency. I was unaware capital one charge account under my name, not under [redacted] name. Because along time ago when I open this account I gave capital one Business information.

I notify capital one on August 11, 2013 to closed this account, requested capital one mail me statement, I received capital one statement August 29, 2013, I call capital one I explains to capital one, the reason why the account in this condition.

I offer to work with capital-one, I request capital one to wave all the late charge & all interest charge, I’m willing to pay only purchase amount, capital one disagree with my offer by manager at capital-1 on 8/29/13. Now I already had difficulty pay someone else purchase. All those charge on this account is made by [redacted] because I’m responsible person, that is why I try to get this issue resolve. Md A [redacted] and I legal divorce on 6/17/11

How can I getting this issue resolve Revdex.com?

[redacted]Desired Settlement: I offer to work with capital-one, I request capital one to wave all the late charge & all interest charge, I’m willing to pay only purchase amount, capital one disagree with my offer by [redacted] at capital-1 on 8/29/13. Now I already had difficulty pay someone else purchase. All those charge on this account is made by [redacted]) because I’m responsible person, that is why I try to get this issue resolve. Md A [redacted] and I legal divorce on 6/17/11

Please wave all late charge and all interest charge. I will try to get a small loan to pay off the purchase balance. I very up sad with [redacted] he such a cower, very in-responsible person.

Revdex.com please help!

Business

Response:

We spoke with the customer and advised that we were going to waive the remaining amount of fees to bring the account balance down to the current principal balance. We advised that the principal balance is what would be due by the current due date. The customer requested that I fax her a letter confirming the information we provided over the phone. When she received the letter that I sent her she was upset that it contained information reflecting the fees that were waived she called back into our offices and requested that we send her a letter stating only the principal balance that was owed. That letter was faxed.

Review: My accounts were closed by Capitalone and I was advised that I had a 0 balance on all 4 of my cards. I received a notice stating I owed $85.95 for a re-bill and fees.Desired Settlement: I want Captialone to honor the 0 balance agreement and to be sure that nothing negative is being reported to the credit bureaus as I have 100% on time payments.

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint filed with the Revdex.com of Central Virginia, I understand you have concerns about the current balance on this account. I've researched the matter fully, and I'd like to share with you my findings.

Our records show on December 31,2013, [redacted] billed $60.00 to this account. On January 6,2014, we received your electronic request to dispute this transaction as "non-receipt of merchandise." On January 6,2014, we applied a temporary credit of $60.00 to your account and began our dispute investigation.

On January 8,2014, [redacted] credited $60.00 to this account. At that time, we should have billed our temporary credit back to this account. However, due to agent error, we did not take this action. I'm sorry for the frustration this has caused.

On May 2,2014, our system automatically billed back the temporary credit of $60.00, which resulted in a balance of $60.00. This balance, along with a minimum payment of $25.00 due by June 1 5,2014, appeared on your May 2014 billing statement. When no payment was received by June 15,2014, a $25.00 past due fee and $0.95 in interest charges billed to this account.

We've credited $60.00 for the rebilling of our temporary credit, plus the $25.00 past due fee and $0.95 in interest charges. These credits bring the account balance to zero and will appear on the July 2014 billing statement. Additionally, we confirmed no negative payment history was reported to your credit file.

If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday, from 9 a.m. to 6 p.m. ET. I'm glad to help any way I can.

Sincerely,

[redacted], on behalf of Capital One

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 cancellex my account they have said they sent my check.but havent recived one its now a month later noone there seems to know what they r doing none of the customer service reps have any information.Desired Settlement: I just want my money back thats all :(

Business

Response:

Dear [redacted],

Thank you for your recent inquiry regarding your account, and the opportunity to be of service to you. We have attempted to contact you by phone without success. As a result, we are issuing this letter in response to your complaint received in our office. As a member of the Executive Response Committee, part of my role is to review matters of escalated customer inquiry and complaint on behalf of Capital One Bank (Canada Branch) executive offices. Thank you for the opportunity to address your concerns.

In your Revdex.com complaint, you stated that you were dissatisfied with the delay in receiving the $[redacted] secured deposit. Please note that on November 18, 2013, a credit balance refund cheque in the amount of $[redacted] was issued.

We apologize for any inconvenience and thank you for having a Capital One [redacted] account. If you have questions, please call us at the toll free

number [redacted].

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:

Fax:

Regards,

Executive Response Coordinator

Capital One Bank (Canada Branch)

Review: Contacted customer service in order to setup a TRAVEL NOTICE for my Brazil trip, and requested a PIN number via phone for cash advance after going thru the verification process (Public record, SSN and specific security questions). After setting the new PIN number I was told I would be able to use my card immediately at the overseas ATM.

While having Fraud/Customer service on the phone I attempted to withdraw cash from a Brazilian ATM, the card got denied twice. Customer service then notified me that card was now blocked (even though it was the same session that validated my identity), now the customer service department is telling me that the only way to unblock my credit card is to go to a local bank and have them validate my identity.

However, I walked into TWO different banks in Rio De Janeiro ([redacted] and [redacted]) and both do not have any procedures to do such checks!! they dont know who to report to and have no training. It is impossible for me to get my card unblocked by this unreasonable request by customer service.

Prior to the block by the Capital One Fraud department I already had a TRAVEL NOTICE for Brazil setup, their system still flagged my transaction and totally ignored my prior calls/travel notice. Therefore I believe the company Capital One has not fulfilled their responsibility to support their customer (me) - since this block has largely inconvenience my overseas travel which will last 2 months ending in August 5th 2014.Desired Settlement: Immediate unblocking of my account and resume original account standing, my phone number has changed to [redacted] and they will not update it neither via online banking or via call center stating some stupid procedure....

I can receive mail at [redacted] and they could mail a secret code, but they have not provided this option to verify my identity just some obscure procedure that even Brazilian bankers don't know squat about.

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint to the Revdex.com about the restriction placed on your Capital One account.

Our records show on June 20, 2014, you spoke with one of our fraud representatives, and as a result of the conversation your account was unrestricted.

We'd like to apologize that your customer experience did not meet our expectations and for the time and effort you expended during your trip overseas. We realized that this has been frustrating for you, and we have issued a credit of $50.00 on June 27, 2014, for the inconvenience this has caused. You will see this credit on your July 2014 statement.

If you have any questions or concerns, please give me a call at [redacted], Monday through Friday from 6:15am to 3:15pm P.T. 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 have been attempting to pay off my [redacted] credit card for years now but it does not reduce. It feels as if I my payment does nothing on the bill.

My name is [redacted]. My [redacted] account number is [redacted]. I have been attempting to pay off this credit card after closing it several years ago but it has gotten to the point where I can no longer pay what they are asking. I send a monthly payment of $100.00 towards the balance but the balance never decreases. I am still being charged interest for purchases made in 2008-2010 at which point I closed my account. So far in 2013, I have been charged $492.21 in interest plus another $140.00 in fees. My credit line was $2,900.00. The balance presently stands at $2,421.82. This is after making $800.00 in payments so far in 2013. I live on a fixed income and I feel like I am never going to pay this card off. I am 67 years old and have been paying for years but every time I turn around, some more fees and interest appear for a card that has been cancelled years ago. I have other credit cards that I pay monthly and their balances reduce and even get paid off. This [redacted] has been the worst mistake I have made or anyone can make because it never gets paid off unless you are fortunate enough to have money to do so in one shot. I unfortunately do not have this ability. The stress I am under is ridiculous because of this and just want a resolution. I should not be paying a credit cards for 4-5 years at $100.00 a month my balance is still where it is. I am writing to the Revdex.com because I honestly just can not do this anymore and need a resolution. I can be reached at [redacted] or at [redacted] which is my son [redacted] number if you have any questions because he is aware of the situation and can probably answer questions a lot easier for me since my primary language is Spanish. Please, I am asking for help with this matter. I feel like I'm being mugged every month by these people and do not wish this hanging over my head any longer. This card should have been paid off a while ago, not still have almost a full balance.Desired Settlement: I am requesting that my balance be lowered accordingly with all my payments which are made on time since I opened this account. It is almost as if I am paying triple and my payments do not lower the balance. I want this done as soon as possible if it can. I do not want my monthly payments lowered because that will not solve the issue. I pay every month for nothing because this is still a blemish on my credit that should not be there anymore. Thank you for all your help in this matter and I reall

Business

Response:

We have responded to the cardmember by telephone on 08/29/2013. The matter has been resolved partially in cardmembers favor.

Review: I have a credit card with Capital one. There was another cardholder on the account, [redacted], back in February 2015. [redacted] made charges on the account and made a $300 payment as a responsible cardholder at the time in April. I then had him removed from the account because we were no longer partners. He was just recently able to have his payment refunded and now I am stuck paying $300 of his debt. Capital one should not be putting this $300 charge on me when it rightfully belongs to the other card holder, [redacted]. He was a cardholder at the time of payment so it should not have been legal to reverse it.My complaint concerns: a Credit CardDesired Settlement: I would like this adjustment to be removed from my account since it was not my debt and now it is 6+ months after the charges even took place. Capital one should not have refunded money to a person who was a card holder and made a payment they were responsible for.

Business

Response:

Dear [redacted], I’m reaching out to you about your concerns to the Revdex.com (Revdex.com) about the way we handled your account. We do take your concerns seriously and I have more information to share about this. As a courtesy, I have issued a credit in the amount of $200.00. You will see this adjustment on your November 2015 billing statement. When you added the Authorized User (AU) [redacted] on the account, you gave him permission to make charges on the account. He was able to make purchases, cash advances, request general account information, request a fee waive, make phone payments, initiate a dispute, report a card lost or stolen and remove himself from the account. The AU would not have financial responsibility on your account. I have enclosed a copy of your Customer Agreement for review. If you have additional questions, please call me at [redacted], Monday through Friday from 9:30 a.m. to 6 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy to help any way I can. Sincerely, [redacted] on behalf of Capital One

Review: AN AUTO LOAN THAT WAS ESTABLISHED IN APRIL 2010 AT THE RATE OF $353.00 A MONTH THAT COAF DOES NOT DISPUTE WAS PAID FAITHFULLY ON THE FIRST OF THE MONTH FOR THE PAST 2 YEARS SHOWS UP ON MY CREDIT REPORT AS PAID LATE AND THEY REFUSE TO CORRECT THE ERROR. THE CAR SOLD FOR $14,000 AND AFTER PAYING ON IT FOR 3 YEARS COAF IS SHOWING A BALANCE DUE OF $10,000. THEY HAVE SOMEONE HARASSING AND THREATENING ME FROM [redacted], CALLING AT ALL HOURS OF THE DAY AND NIGHT WITH MORE AND MORE OUTRAGEOUS THREATS. THEY REFUSE TO MAKE THE NECESSARY CHANGES SO THAT I MAY GET RID OF THEIR COMPANY. THE ENTIRE TIME THAT I HAVE BEEN PAYING THEM THERE WERE NO PROBLEMS WITH THEM ACCEPTING MY MONEY UNTIL I QUESTIONED THEIR PRACTICES AND ETHICS AND INFORMED THEM THAT I NO LONGER WANTED TO DO BUSINESS WITH THEM. RECENTLY I'VE BEEN TRYING TO TRADE MY CAR TO GET AWAY FROM THEM AND THEY KEEP RAISING THE PRICE OWED AND FRAUDENTLY REPORTING MY PRIOR PAYMENTS AS LATE. I HAVE PROVIDED CANCELLED CHECKS TO COAF AND [redacted] AS PROOF OF PAYMENT. COAF CONCEDES THAT PAYMENTS WERE MADE ON TIME BUT REFUSES TO CHANGE STATUS THEY REPORTED TO CREDIT BUREAS AND MAKE THE NECESSARY ADJUSTMENTS TO MY ACCOUNT.Desired Settlement: COAF AND [redacted] FIX CREDIT REPORT OF ALL ERRORS AND COAF ADJUST MY BALANCE DUE ACCORDINGLY, DEDUCT ALL FEES AND LATE CHARGES, BRING ACCOUNT CURRENT AND STOP HARASSING AND THREATENING PHONE CALLS.

Business

Response:

[redacted]

I have reviewed the situation you explained to the RevDex.com and want to address your concerns.

Upon review of your account, I confirmed that you balance is

accurate. A copy of your transaction history was sent to you November 21, 2013.

[redacted] your convenience. Our records indicate that the first

delinquency on your account occurred when the July 1, 2010 payment was not

received until August 30, 2010.

Please compare your documentation to our transaction history

is inaccurate, please provide supporting bank statements or payment

documentation for us to review. Confirmed payment posting errors will be

corrected, and any fees incurred as a result of the errors will be removed. You

may fax this information to [redacted]’* attention to [redacted].

According to the fair Credit reporting act (FCRA)

guidelines, Capital One must report complete and accurate credit information regarding

our accounts. In this case, your credit bureau report was found to be accurate.

Subsequently, we are unable to delete the negative reporting from your credit

bureau report.

Lastly, the phone number you reference in your complaint

goes to “legal Services, Processing and Documentation Division”. This is not a

Capital One phone number, and this company is not affiliated with your Capital

One Auto Finance account in any way.

We regret any inconvenience this matter may have caused. If you

have additional questions, please contact out Customer Services Department at

[redacted]. If you have questions, please contact our Customer Service

Department at [redacted]. If you have questions regarding this specific

response, I can be reached at [redacted].

Sincerely,

Review: I would like to file a complaint with capital one credit card credit department. I been lied twice by the management of capital one. The first time was in July 2013, I made a late payment because I became ill and could not make the payment on time. I called capital one and spoke with a supervisotr. At that time, they told me as a courtesy, the credit report will be updated to show current not . That never happended. I called Capital one after this, and they said they never showed that someone talk to me on that day. On November 14, 2013 I made payments on this account and spoke to a credit manager. My checking account information was stolen and after couple of weeks, [redacted] bank froze my checking account and I could not make any payments. I had to go to the branch and start all over again and get a new account number. Your supervisor on November 14, 2013 told me she will update the 3 credit bureaus and 1 more as she understood my situation. I also explained to her that I was buying a house early next year and if she updated my credit reports, it will help me alot. I also told her, that early next year I would paid the balances on both accounts. This Friday November 22, 2013, I received 2 letters from capital one that my credit reports will not be updated since I made late payments. I already know that. I called just now and a collection supervisor mentioned that Capital One never helps customers when they are late even if is medical or fraudulent activity reasons. I decided to close my Capital one account because I don't know to deal with rudeness and unethical behavior. Sincerely, [redacted]Desired Settlement: I would like my late payments in July and November to show that they are current for both my Capital One Credit Cards. The Capital One management promised me 2 times and they did not delivered. I would like upper management to review this complaint and I want something in writing from them.

Business

Response:

We received the customer complaint because the customer's request to have her

delinquency for the month of July 2013, to be removed from her credit profile was not

fulfilled. Our research found that on August 23, 2013, the customer contacted our

customer service department to inquire about her recent request and one of our

associates advised her we don’t have any record of that request.

On December 16, 2013, I called the customer and provided her with the decision about

her recent request. We have updated her credit profile to show no delinquency for the

month of July 2013. Also, during our telephone conversation, we have reopened both of

the customer accounts. The customer is satisfied with the case outcome.

Review: Capital one has sent me a bill for a credit card I did not ask for. There is a fee to have a credit card and I tried to cancel or stop this bill from proceeding. I was unable to get the card cancelled A supervisor([redacted]) SAID I NEED TO GIVE THEM MORE INFORMATION I VERIFIED MY ADDRESS NAME PARTIAL SOCIAL,still would not cancel the card. what can be done to stop this card company to start credit cards in peoples names with out there consent?Desired Settlement: cancel the card I don't want. Never asked for.

Business

Response:

Dear [redacted],

I'm following upw ith you about our conversation on February 6, 2014, regarding the status of your account. Our records show that your account was closed per your request on February 3, 2014.

If you have any additional questions or concerns, please give me a call anytime at [redacted], Monday through Friday, 10a.m. to 6:30 p.m. ET. I'm glad to hlep anyway I can.

Sincerely,

Consumer

Response:

The regional rep from Capital one was very helpful and he has assured me that the individuals that pushed there limit with me have been spoken to and there way of solicitation from old purchased records from long ago credit cards will be reviewed. Thank you Revdex.com.

[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: A company ([redacted]) attempted to make a charge against me that wasn't authorized. The card information had expired. I received and have in my possession the information that states that the charge wasn't successful. Capital one processed the charge anyway. I didn't know this charge had been made. The account is kept in case of urgent need or emergency and it didn't have a balance. This charge made me incur multiple late fees and interest. No attempt was made by the company to contact me. I now have bad marks on my credit report due to their actions. They shouldn't have processed the sale and also should have contacted me regarding no payment being received. I do not have a history of late payments with this company and they are now damaging my credit history.Desired Settlement: I want all of the charges removed from my account. I have proof that the charge shouldn't have been completed. I also want all negative information removed from my credit history. If this cannot happen then I will be forced to seek legal council

Business

Response:

We spoke with [redacted] and advised him that per our previous phone conversation we have confirmed that the charge in question on his complaint was credited back to his account along with any past due fees and interest. We also advised that after a review of the account we determined that the account was not reported as more than 30 days past due so there would be no negative impact to the customers consumer reports.

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 signed up for a cashback checking account with Capital One. I was told when I sign up and as clearly stated in the terms and conditions, that I would get $0.10 cashback for every withdrawal transaction without minimum amount. However, they arbitrarily decide after the fact that they did not want to reward me for the small $1 bill pays I made to my credit cards, and yet they refused to tell me at what minimum amount they would count it for the cash back. Another words, false advertisement for their cashback checking program, do not abide their original terms and conditions, and changing the rules without providing customers with a updated terms and conditions, and refused to provide customers with clear explanations of terms and conditions.My complaint concerns: a Banking Account (Checking)Desired Settlement: I would appreciate if the company would honor all my withdrawal transactions and reward me for them regardless of amount. If they should choose to change their terms and conditions, send me the updated clear and easy to understand/follow set of terms and conditions with no contradictions (make sure to include the effective date).

Business

Response:

Dear Ms. **: We are writing in response to the complaint that you filed with the Revdex.com (Revdex.com) regarding the cashback disclosures on your Spark Business Cashback Checking account. We have reviewed the account, and according to our records you should be earning $0.10 on each debit card purchase, withdrawal, or electronic bill pay regardless of the transaction amount. In addition, we do see $9.40 posted to your rewards account on August 28, 2015. Please be advised the rewards may take up to 60 day to be posted to your account for prior month. We do apologize for the confusion and want to make you aware our disclosures as of today have not changed. If you have additional questions or concerns, please reach out to us at 1-800-655-2265. We are here from 7:00 a.m.-11:00 p.m. EST, 7 days a week. Sincerely, [redacted]

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 appreciate the business's honesty in recognizing the validity of my complaint. However they still have not fully credited my account with the appropriate for all the debits that were made on my account. The special reward of $9.40 that was credited on 8/26 seem somewhat arbitrary to me since it does not correspond to all the debits I made in the previous month. I understand that the rewards may take up to 60 days, so I will be looking to see if they will make further credits for small debits ($1 or less) that has not been credited yet. Currently, I notice that their system will only automatically credit me the reward if the debits are more than $1.

Regards,

Review: I have a capital one credit card. I made a 427.00 payment on 11/14/2014. Based on the posting time frame with states that payments submitted before 8 pm eastern time will be posted to the account the same day my midnight and the funds would be available the day after the payment post by 8 am eastern time. I made three purchase with the card after my payment was made and now I'm being told that the account is in the negative due to insufficient funds in my personal checking account when they tried to get the funds from my bank account that I was under the impression was already received by them. After contacting capital one about this I was told that they allow card holders to use the card after the payment is made within the posting time frame assuming that the funds are available and then capital one after a few days will debit the bank account for the funds. I am not pleased with this misleading process, because I made the payment within the time frame, and I was making purchases with the card under the assumption that the funds was posted and available to my credit card account.Complaint concerns: a Credit CardDesired Settlement: I would like a credit refund of 427.00 to my master card. I would like for capital one to be more specific on their payment procedures because the current one is very misleading.

Business

Response:

Dear [redacted],I’m reaching out to you about your complaint to the Revdex.com (Revdex.com) regarding the recent payment made on your account.On November 14, 2014, we received an online payment for $427.00. Online payments made before 8 p.m. ET will post the same day by midnight on your Capital One account. Credit will be available as early as 8 a.m. ET the day after the payment posts. Payments may be withdrawn from your bank account as early as the same day, but no later than three days depending on payment processing time frames. The date the funds will be withdrawn from your checking account is based on your financial institution. Please contact your financial institution if you have additional questions about their payment processing timeframes. On November 18, 2014, your online payment of $427.00 returned due to insufficient funds and $427.00 was added back to your account, which placed your balance over your credit limit of $750.00. Because your payment returned and no other payment was made, your account is considered past due and suspended from making charges. For this reason, we are unable to honor your request to issue a credit to your account in the amount of $427.00.In order to bring your account to a current status, a minimum payment of $200.00 needs to be made by the due date of December 22, 2014. Additionally, we thank you for your feedback on our payment procedures. Specific payment information can be found under the Frequently Asked Questions section online at [redacted] when making an online payment.If you have additional questions or concerns, please give me a call at[redacted], Monday through Friday from 8:30 a.m. to 4 p.m. ET.Sincerely, [redacted]

Consumer

Response:

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

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

Regards,