Capital One Financial Corporation

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, 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 dissatisfied with the companies response. My Revdex.com case number is ***They refuse to make an offerClose as dissatisfied please

Revdex.com:I have reviewed the offer and/or response made by the business in reference to complaint ID ***, 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,*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.MrJ***
I never received any voice or email message from you or your company since I filed this complaint So as far as I am concerned this is your first and only response to my complaint I completely understand what happened; however, I asked your company to do another appraisal with another appraiser and your company refused I sent your company a recent appraisal completed 6/ Two of the sold comparable homes were the same on your appraiser's report Your appraiser's report also showed two "For Sale" homes which I sent as my comparable homes I asked the supervisor of the Capital One Home Loans why the appraiser was allowed to provide "For Sale" homes in his report, but I couldn't Also, how (as a private citizen) can I access comparable homes? I am not a real estate agent or appraiser, and that is why I asked for a second appraisal Nothing about our property has changed since 6/2016, when our appraisal was done, so why was there a $*** difference in valuations? No one could seem to explain this to me at your company I wasted weeks of effort and providing document after document, and even extra documents to be told that we were denied because your company hired an appraiser that didn't know what they were doing
All I am asking for, in return for wasting my time and effort, is that your company to take the hard credit inquiries either off of our credit reports or make them soft inquiriesWe will be applying elsewhere (a more reputable financial establishment) for a Home Equity Line of Credit It is the least Capital One can do for us after lying to us for weeks promising us over and over that we would be approved "no matter what"
Regards,
*** ***

I accept Capital One's resolution of my concern. ***
***
Revdex.com:
I have reviewed the offer made by the business in reference to
complaint ID ***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: ***
Regards,
*** ***

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my
complaint. For your reference, details of the offer I reviewed appear below. Unfortunately, the merchant is not willing to resolve the issue and there is no other way than resolving this through the bankThere should be some sort of protection for a customer when using their bank card to pay for purchases and not putting their funds in jeopardy against a merchant like this one
Such an outcome is unacceptable that capital one is unable to pursue such a dispute and making their customer liable in a situation like this and not protecting their funds; as its not the same case with some of the other banks such as *** and *** ** ***
Regards,
*** ***

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

Dear Ms***, Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of ***’s for resolutionWhile ***’s has an established partnership with Capital One N.A., we provide the in-house servicing for
your ***’s Charge accountAs 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 did not receive any statements, resulting in your account charging off and forwarded to a third party collection agencyYou are requesting ***’s remove your account from the agency and credit any related feesI apologize for the frustration you may have experienced concerning this matter. After review, your concerns were previously resolvedOn December 31, 2014, we issued credits to your account totaling $The credits are for late fees, interest charges, and the principle balance, and appeared on your December billing statementEnclosed is a copy of this statement for your review. Additionally, we have reversed the charged off status of the account and submitted a request to the Consumer Reporting Agencies (CRAs) to update the negative payment history on your credit profileThis information was communicated to the CRAs on May 11, We ask that you allow up to days for the CRAs to update their files. Our records indicate we had the incorrect zip code on file for your mailing address, which resulted in your statements being returnedOur ***’s Collections Department did attempt to contact you via phone to inform you of the missed payment, but was unable to reach youThe account charged off on December 31, 2014, and was being serviced by Progressive FinancialAs referenced above, we have taken the above steps to resolve your concernsAs of May 19, 2015, your account is open and current. Ms***, I trust the information provided resolves your concernsIf you have any further questions, please do not hesitate to contact me directly at ***. Sincerely, *** *** SrExecutive Correspondence Advisor Office of the President

Dear Mr***, Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of ***’s for resolutionWhile ***’s has an
established partnership with Capital One N.A., we provide the in-house servicing for your ***’s Charge accountAs 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 ***’s closed your account without notification, and when you called to inquire why, we were unable to provide you with a clear explanationYou ask for an apology as well as the re-opening of your account. Upon review of your account, our records show that on May 2, 2015, you contacted us to request a credit line increaseAfter successfully completing the credit line increase, it appears that your account was closed due to agent errorWe apologize for any inconvenience this situation may have caused and want to assure you feedback has been provided to the appropriate area. On July 7, 2015, we re-opened your account at your requestAs of the date of this letter, your account is open and in good standing with a balance of $495.01. Mr***, I trust the information provided resolves your concernsIf you have any further questions, please do not hesitate to contact me directly at ***. Sincerely, *** *** SrExecutive Correspondence Advisor Office of the President ***’s Department Stores

They didn't address the problem but skiped over it as usual at least by my experience. It took me or 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,miles to travel from Seattle to Raliegh where my daughter lives on other plans but with Capital One it takes *** *** miles with Capital One. Over times the amount! ThereFore Capital One is 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!

[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.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: [email protected] consider the complaint resolved but the facts in the letter are NOT correct An order was never placed as *** explained to the Capital One representative Though the system assigned a number when I was using two cards to pay for the transaction because the other card was declined an order was NOT created Unfortunately, the person handling my case at Capital One did not want to listen to what I had to say I was rudely told she didn't want to hear what I had to say It was very unprofessional and if I treated my customers like that I would be fired It's a shame I have no way to contact the representatives (Shannon), manager to discuss how I was treated with such disrepect
Regards,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, 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,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I'm not satisfied
with the outcome of this investigationI feel that it's unreasonable for the company not to remove the day late payment flag when they acknowledge in the attached letter that there was an issue with my receiving my March statementAll I'm asking for is a goodwill adjustment since as soon as I was aware of the late payment I paid the amount due including fees immediatelyAfter I had brought the account up to date the company then reported me as being late. The flag has decreased my credit score by pointsI don't think I'm asking to much for a one time adjustment since there was obviously an issue with my receiving the statementFurther more a payment for may was taken from my account when I had a zero balance on the accountTheir system is not full proof.Sincerely,*** ***

Revdex.com:
I have reviewed the response from Capital One in reference to complaint ID ***, and find that this resolution has only provided a report of my variable and prime
rate fluctuation from 0% to 19.15% with periods of a lowered interestA representative informed me of the option to apply for a Capital One card to see if I qualify for a low interest apr which I didn't think to doI value good customer service, listening ears and problem solversThe last two csr representatives of Capial One I spoke were helpful and knowledgeableI will keep the proprietary information in mind when I choose to seek other services from Capital One
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, 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. *** *** 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, VIA MAIL AND VIA PHONE, OVER 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, is a lie! Thank you
Regards,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve
my complaint. For your reference, details of the offer I reviewed appear below
There was no offer or resolution provided in the correspondence received by Capital. Again, I deposited $*** into the Capital ATM machine located inside of the *** *** at *** ** *** *** *** **. I watched my money go into the machine and was not given a receipt. As a result, I am out of $***. Capital One indicated that they have information indicating that I checked my balance at the specified ATM. That is correct. The balance inquiry was within seconds or minutes from the time the deposit was made. As Capital One can see from my account record, nothing else was done after the balance inquiry with the card. Why would I check the balance at an ATM machine if I wasn't making a withdrawal or a purchase. If they would check their ATM camera(s) (as I have provided a description), around the same time that the balance inquiry was made which is also the same time I contact Capital One representative to report the issue, they will find that the deposit was made at that machine. As a result of this Revdex.com complaint, this is the first time that Capital One provided me with a direct line to a representative regarding this issue [and I have contacted the representative]. Money cannot vanish into thin air --so saying that the machine balanced-- is not enough. Someone or Capital One stole the money. In any case, Capital One is liable. They should not be able to operate in *** ** if customers have to rely on using equipment that defaults and the customer loses as a result. My only resolution is to have my funds returned. In this case, Capital One reported the same, "the ATM machine balance" (I don't know what that means since I without a doubt deposited my money into the machine. I am a year-old woman that has worked for the State of *** for almost years. I have absolutely no reason to say I made a deposit if I didn't actually make the deposit. Capital One does not have brick and mortar banks in this area, so customers are almost forced to use the ATM machines for banking transactions.. It appears that there is an underlying purpose here; perhaps others are losing money as a result of the defaulted ATM machines that may not provide a receipt for cash deposits and Capital One response is "the machine balanced"???There is no indication that Capital One is utilizing it's own resources to investigate this issue: (Did they review the cameras to view the deposit being made based on the date/time I was at the machine; *** also has a camera located near the machine; did they check other customers who used the machine that day--were the funds mis-directed; are there defaulted areas on the machine--areas where the money may go and not be considered in the balancing; did the question or evaluate the individual who removes and/or balances the machines--none of that information has been revealed by Capital One)
Regards, ......and totally upset
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, 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,
*** ***
Thank
you for your replyI have compared Capital One statements with
*** *** *** (***) reportingI have made several
requests to *** to validate the accountI requested the date of
delinquency, date the account opened, and last payment received
This
validation must include the name and address of the original
creditor, documentation obtained from the creditor proving that I
have a legal obligation to pay, documentation proving that *** have
the legal authority to collect, and all other notices required by
lawIf *** cannot provide the validation required, then *** must
remove
from your files any negative reference concerning this accountCapital One does not have the authority to ignore *** is in violation *** on
Capital One behalf* bought the rights to a 100% verifiable debt
and to collect within legal guidelines If this matter is not
updated or deleted, I will continue with filing complaints with ***
and ***
Enclosed
are credit statements showing *** continued inaccurate reporting
The
last payment was February 2012, *** reports June
Date
opened date *** reports Experian 08/01/
The information I
am providing validates the inaccuracies and violations of the Fair
Credit Billing Act and the Fair Credit Reporting Act (***)The
credit history, delinquency date, credit limit were inaccurate for
years of inaccurate reporting
I disagree with
Capital One request to report my concerns to ***I have made
requests for an accurate and complete validation from ***
continues to remain in violation of the ***It has been years,
the statute for limitation has passed for ***I am requesting
Capital One purchase the account and request *** to delete the trade
line on all credit bureaus and I settle the account with Capital One
Capital One accepting this agreement continue not to report this
account to the credit bureausI will not do business with ***

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID *** and find that this resolution to be more than satisfactoryI
appreciated the two phone calls and the $** credit to my account
I consider the issue resolved and closed
Regards,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, 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 writing in regards to my complaint ID ***. I am not satisfied with the outcome. I have already paid Capital One Financial Corporation the amount of $in by check on 5/6/2015. I cut up my credit cards because they said my account was deactivated. They are trying to reactivate my account and take the charges off and not return me my $285.43. I am not willing to reopen my account. I would like for them to mail me a check for the amount I had to pay in. Thank you
Regards,
***r ***

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

*** *** ** ***I’m reaching out to you about your complaint with the Revdex.com (Revdex.com), regardingthe servicing of your Capital One accountWe appreciate your feedback and I would like toshare the status of this.Please accept this letter as confirmation, that your
account with Capital One is closed, and youhave no outstanding balance with us.We completed an investigation and found that the agent that assisted you on March 3, 2015,provided you with inaccurate informationThe agent gave you a payoff amount of $244.86(which you paid that day), but he forgot to include all transactions for that billing period in thecalculation.We have corrected the error and credited your account for the extra $pending interestcharges that your account accrued on March 6, This credit reflected on your April 6, 2015,statementWe also provided the neccesary coaching and feedback to the agent to prevent thisfrom happening in the future.I have also removed your name and e-mail address from our mailing listHowever, you mayneed to do this for any variation in the spelling of your name or addressPlease allow daysfrom the date of this letter for all mail from us to stop.If you have additional questions, feel free to call me at *** Monday through Fridayfrom 11:a.mto p.mPTI am glad to help any way I can.Sincerely,