Capital One Financial Corporation

[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 [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,
[redacted]

Revdex.com:
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].Also, I want say to thanks to [redacted] from Capital One, she is really an asset to the company. The service provided by her was truly a great experience.
Regards,
[redacted]

Dear [redacted] You recently contacted the Revdex.com (Revdex.com) with concerns about fraud on your account and a hold on your available balance. We have conducted an...

investigation, and would like to share our findings with you. On November 16, 2016, there was a fraudulent authorized user added to your account without your permission and a credit card mailed to an address we confirmed on November 18, 2016, did not belong to you. Regretfully, at this time, the fraudulent authorized user requested another card to be sent to the same address. In order to protect your account, on November 22, 2016, we changed the number to a new number ending in . We issued temporary credits to your account for the fraudulent transactions from [redacted] for $[redacted], [redacted] #[redacted] for $[redacted], [redacted] for $[redacted] and $[redacted] and [redacted] #[redacted] for $[redacted]. As part of our internal policies, we updated our systems to process a deletion of the tradeline for the account number ending in [redacted]. This is done to ensure that both account numbers do not report to the CRAs going forward. On December 8, 2016, we permanently removed the fraudulent authorized user and added a code word for your protection. All Capital One customers are covered by our $* Fraud Liability Policy, and you’re not responsible for any of the above transactions on your account due to our investigation. Our goal is to provide the highest level of quality service to all of our customers. We’re sorry to hear that the service you received did not meet those expectations. Please be assured that management has been provided the feedback. To help with your records, we enclosed the following: • A copy of the letters we sent about your dispute • Your billing statement showing the credits © 2016 Capital One. Capital One is a federally registered service mark. All rights reserved.If you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from 9 a.m.-6 p.m. ET. When contacting me, please use [redacted] as the 6-digit PIN when prompted. My 7-digit extension is [redacted]. I’m glad to help any way I can. Sincerely,Heather T[redacted], on behalf of Capital One Enclosurescc: Revdex.com

Revdex.com:
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.
If that was the case, why did I receive a letter stating that I had missed one of my Credit Steps but that as long as I made the remainder of my payments on time, I would receive my $500 credit limit by my 10th statement, which is due to cut tomorrow.  When I call to inquire about why I didn't receive it, now it is that the account was past due once in the past 9 months.
Additionally, my husband has a secured card that he has had for 3 years with never a missed payment.  We had been informed that it could transition to a non-secure card in the future.  However, I have inquired 3 separate times about a CLI and its always declined as not available on this particular account.  However, I see on the Credit Boards all the time where others with a secured card for less time than him have gotten one.  Its starting to feel like we are being discriminated against for some reason.
I will take this up with the Attorney General's office in West Virginia.
Regards,
[redacted]

[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 [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [email protected].
Regards,
[redacted]
From:Cecile Yoon-Tarlie <[email protected]>Date:December 23, 2016 at 1:09:45 PM ESTTo:[email protected]:Cecile Yoon-Tarlie 1 <[email protected]>Subject:Received two letters dated a week apart that BOTH arrived today (complaint ID 1844380)
To whom it May Concern,Today Friday December 23rd. I received one letter that is dated 12/14/2016 with the envelope stamped December 20th (see photos) giving me the business options to my complaint. I was given 7 days to respond to this complaint yet in the SAME mail delivery todaycame the letter dated 12/21/2016with the envelope dated December 21st (see photos) indicating that because Revdex.com did not hear from me within the 7 days that my complaint has been listed as " closed". I don't find this fair given both letters arrived today. How am I supposed to respondin 7 days(letter dated 12/14) when the letter comes the same day as the resolved letter (12/21 letter).I DO NOT ACCEPT the business (capital one) reply and I wish to be given fair time to place a rebuttal. Please advise as I just got this letter today Dec 23rd and would like to respond. I do not find Capital One's response acceptable as they just gave me a form letter with no clear responses addressing my specific questions regarding timing of the credit reduction...namely they reduced the creditNovember 1stbut dated the letter of notificationNovember 8thand I received itNov 15thin which those 2 weeks where I was NOT aware of the change and several charges were denied without any reason given to me which in turn made me go OVER the new limit that I was not made aware of and therefore NEGATIVELY affected my once very high credit score. How fair is it to reduce a credit when I had all these pending charges placed and then denied because I had NO IDEA my credit was reduced. Had I known I would have taken care of my business using a different credit card. There needs to be a better answer from Capital one than some generic form letter.....totally unacceptable and unprofessional!

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID[redacted].
I find that this resolution would be satisfactory to me under...

the following:
CONDITIONS
1. All damages done to my Credit Rating to be restored back to the May 2014 figure.
2. Two years of Annual Fee's be implemented.
NOTE
Thank you for reversing the Annual Fee on this years account. This has shown 'Good Faith' in understanding of the damages created to my Credit Score, and a willingness to work with this very unhappy customer.
I will wait for Capital One Financial to perform this action to my satisfaction and, if it does, will consider this complaint resolved. If Capital One Financial does not perform in the above said conditions, I will get back to you at: [redacted]
Regards,
[redacted]

Dear [redacted], This letter is in response to the request we received from the Revdex.com (Revdex.com) about your Capital One...

credit card account. You asked us to investigate a payment you made using [redacted] on May 18, 2015. We contacted [redacted] about your payment and found a $25.00 payment that matched the receive code provided. However, the account number you listed for the payment is not a Capital One credit card account number. Without an accurate account number, we could not process your payment from [redacted]. We suggest that you go to your nearest [redacted] location and request a refund. The reference number for the payment is [redacted]. We did receive a payment for $25.00 on May 25, 2015, and a payment for $50.00 on June 15, 2015. Your account is now current and no payment is due until July 18, 2015. Since you contacted us about your concerns, we have posted two $25.00 credits to your account for past due fees, interest credits for $1.03 and $17.94, and an additional $50.00 credit as a courtesy. This account has not been reported as past due to the Consumer Reporting Agencies, so the delay in receiving your payment will have no impact on your credit files. I am sorry that your experience was unsatisfactory and want to thank you for your patience while we were working to get your concerns resolved. If you have other questions or concerns, please call me at [redacted], Monday through Friday from 8:30 a.m. to 5 p.m. ET. When contacting me, please be sure to have the following six-digit phone PIN available: [redacted]. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Revdex.com:
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 received your email with the results showing from Capital One. I am disputing the fact in their rejection letter stated that [redacted] doe not accept these "easy access" checks. On the contrary, they do according to the clerk that was on duty that night. As I said before she tried many ways/times to get the check to load in their system. She even called her supervisor who could not come up with a way either BUT the supervisor never said they do not accept access checks either. Capital One quoted also the access check is connected to a credit card not an actual bank account (which is true) BUT the clerk and supervisor knew this as well but still tried to process the check. So if what Capital One is saying about [redacted] not accepting these checks then someone misled me that twice (that night at [redacted] & by Capital One's brochure disclosure). In this case I believe [redacted] since they tried their best to make it work.  Also, their letter states they listened to the calls made between us and still came up with their rejection response. I feel someone didn't pay close enough attention to the conversations that took place on WHY I had to use the actual credit card "on the spot". They certainly couldn't take my new tires off because it was after closing that day. Also, I feel their disclosure is "mis-leading" as I have provided proof to Revdex.com. It says nothing concerning the "retail merchant's" discretion on accepting these checks. It gives the idea of these checks can be used for "purchases" anytime, anywhere. Plus, their access checks disclosure states these checks are not to be sent to any bankrupt customers but in reality as I stated in my complaint, I am a former bankrupt * years ago and still received them. That's in violation of their own policy. Therefore, I am asking Revdex.com to re-instate my complaint/request once again. I truly feel they can adjust the interest rate on a SMALL purchase balance of $[redacted] based on everything said and done.Please let me know of the decision.Thank you.[redacted]
[redacted] 
Regards,
[redacted]

Revdex.com:
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.Your response does nothing but repeat what I already stayed in my initial complaint. I was told incorrect information by numerous representatives about so called "programs" you offered for situations such as mine.  Your assistance programs do not help consumers at all.  I was told back in June that if I made 1 addotional payment of $[redacted] I wpuld qualify for the defermemt and would sent me the information to set it in motion or they would just put in thecrequest for me once the payment posted. Since then, I was told that I do not qualify for a deferement of any kind.  I feel I was mislead and misinformed of assistance I never qualified for at all.  poor customer service. Even the executive office is giving vague answers or avoiding responding to my actual issues.  Reiterating information I already knew does not address the complaint in any manor.  If I qualify for the deferement as of now, then I want that done.  If I was goven incorrect information for several months then you need to make ot right.  I reached out for assistance during a brief disruption in my income, cannot help me when I reaxh out yet you harass me for payment. You then pass my complaint to a different Executive Officer with each response adding more frustration and confusion. 
Regards,
[redacted]

Revdex.com:
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.
[They changed the terms of my card product to where no increase option is available.  This looks bad in my credit history as my oldest account with the lowest limit.  They have new secured card produxts which does allow for an increase but they cannot transfer my account to I also have no option to add my own funds to increase the limit.]
Regards,
[redacted]

Revdex.com:
A check was received with a stop payment on it; this has caused several overdraft fees and returned check fee. I need a check for the total charges which I do not...

have available to me at this tine
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.
[Provide details of why you are not satisfied with this resolution.]
Regards,[redacted]

[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 [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]@richmond.Revdex.com.org.
Regards,[redacted]

Revdex.com:
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.
Its my name its my Social Security, I never authorize use my name and SS,immediately remove. I never authorize and never asked or called.
Regards,
[redacted]

Revdex.com:
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.
[Provide details of why you are not satisfied with this resolution.] The response from Capital One corroborates my complaint.  They do not possess anything that proves my responsibility for this debt.  The information they have could have easily been obtained by someone else.  This is not my debt.  I have never used this account for myself.  The company is holding me responsible for a debt that is not mine!
Regards,
[redacted]

Customer service is very poor and appears to not be US based. Agents do not speak fluent English and do not appear to understand. The standard appears to be place caller on hold, transfer call, wait for caller to hang up, and/or disconnect call. If the US Mail correspondence I received from Capital One is legitimate, it certainly has a questionable appearance. Letter states I may be a victim of identity theft, so one would think Capital One could have a more reassuring process for consumers.

Dear [redacted] We recently spoke to you about a Revdex.com (Revdex.com) complaint escalated to our Executive Response Committee (ERC). We wanted to provide you with an update in...

writing. Please see below for a summary of your complaint and how we responded to it: Summary of Complaint: The referred complaint was in regards of a dispute with [redacted]; you were charged an amount of $[redacted] which was not part of the arrangement you had with them. You requested to have your card canceled, however, the agent you spoke to omitted to cancel it. Therefore, you were charged an additional amount of $[redacted] by the merchant. Our Response to Your Complaint: During our conversation, we explained the [redacted] dispute process. You were transferred to our Fraud department who disputed the transactions and charged back the amount to the merchant. As a gesture of goodwill, we have applied a credit of $[redacted] to your account. Please accept our most sincere apologies for the agent’s error and for the overall experience. If you’re not satisfied with our response to your complaint, you can escalate it to the Capital One [redacted]. The Capital One [redacted] can be reached in the following ways: Email: [redacted] Mail: [redacted] 
[redacted] Toll-free Fax: [redacted] Please note that if 90 days have passed since your complaint was received by the ERC (as noted above), you can also escalate it directly to the [redacted] for Banking Services and Investments (OBSI). The OBSI can be reached the following ways: Capital One Bank ([redacted] Branch) has a complaint resolution process in place. Please visit www.capitalone.ca/concerns for details. If your concerns are regarding our compliance with federal consumer protection law, public commitment, or industry codes of conduct, you can contact the Financial Consumer Agency of Canada at its office at [redacted], or through its website at www.fcac-acfc.gc.ca.© 2015 Capital One Bank [redacted] Branch). Capital One is a registered trademark. All trademarks used herein are owned by the respective entities. All rights reserved.Capital One Bank ([redacted] Branch)[redacted]
[redacted]
Toll-free Telephone: [redacted] TTY Telephone: [redacted] Email: o[redacted]@obsi.ca Mail: [redacted] 
[redacted] Toll-free Fax: [redacted] Thanks for contacting Capital One®. Sincerely, K. S[redacted] Executive Response Committee Capital One Bank (Canada Branch)

[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 [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,
[redacted]

Dear Revdex.com:
I have reviewed the letter from Capital One in reference to complaint ID [redacted], and have determined that their proposed non action would not resolve...

this complaint. 
We request removal of one of the two credit inquires from all 3 credit reporting agencies. Capital One Auto Finance: March 03, 2014 and March 07, 2014. Please remove one of the two as it is considered a duplicate request and all credit reporting agencies do agree one of the two should be removed and they  request a letter from Capital One Auto Finance for removal of one of the two.
Thank you for your time and cooperation in this most important business matter.
Warmest Regards,
 [redacted]
Business Manager
cc: [redacted]

[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.]
Better Business...

Bureau:
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,
[redacted]

Revdex.com:
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 contacted...

Jamie G[redacted] at capital one per the letter I received. I left two messages and have not heard back from Jamie nor capital one. In my first message I left all the information that was requested if me in the letter and my contact number. I have not received a call back from Jamie or capital one to resolve this matter. This matter with capital one is still effecting my credit and I would like it resolved asap. 
Regards,
[redacted]