Capital One Financial Corporation

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.
Their letter offers no legitimate explanation for their routine policy of holding the deposits of new customers hostage for 10 business days (and 5 business days for established customers).  These are inordinate delays, and impossible to justify as all the necessary verifications happen electronically within seconds, and certainly within a day or two.  Just for comparison, [redacted], which offers very similar on-line banking, makes deposits available within 2-3 days maximum, and usually within 1 day according to their representative. Capital One claims that one of the reasons for their delay is that they "take security very seriously".  But during the more than two calendar weeks  that elapsed from when they received my deposit until they actually allowed me to withdraw it again, they requested no additional information from me to verify my identity, and their claim, therefore, that these two weeks were needed for security purposes is ludicrous.  Compare this with credit card companies which issue cards (i.e. essentially lend money) to new customers instantly based on an online application, and you can see that it is absurd that Capital One is claiming that there would have been some security risk involved in giving me my own money back!
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.]
Regards,
[redacted] I should not have to do that, I have stated that YOU should be taking care this and removing from any and ALL promotions. You are the company who has been running my credit, you should be taking care of this not me.

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.The offer states the same thing my initial complaint is about. My accounts have not been combined and there is no reason as to why they were denied. This reply on the behalf of Capital One is repetative. The message stated the same things exact reasoning Capital Ones customer service dept. told me which does not fix the problem nor tells me the reason why the problem exist. 
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 capital one,the fraud department agreed this was a cause of fraud.like I told them I applied for a secured card on december 10th 2014 and a business card august 2014.the rest were not done by me.as for 6 inquiries.thats 6 per credit agency total of 18.why did the capital one fraud department agree to send letters to credit bureaus.now you have a different answer.this is very damaging to my credit report im trying to fix.I want 12 removed from my credit reports and stop accepting applications in my name.as for the letters you sent.I have never seen any letters sent to this address.so now where are they getting sent to?all I want is 12 inquiries I didnt not apply for or give anyone permission to apply for.also for you to stop any applications sent in with my name on them.
Regards,
Dennis Hildebrandt

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.]
Regards,
[redacted]
Capital One has refused to look into the issue stating their policy does not permit a real human being to look into such matters. I have 2 credit cards with Capital One, I also have a checking account and two savings accounts at Capital One 360. Today I have opened a credit card account and a checking account with Discover Card and will begin migrating all of my business to Discover. As their customer service continues to decline, customers like myself will be heard by their footsteps as they leave Capital One.

[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]

[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]
Sincerely thankful .

Please see attachment

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.]
May 10, 2016
I do not accept what Capital One Bank wrote in response to my Revdex.com Complaint.  I will only pay $25.00 a month until further notice, or until my account is paid off, and I will only pay for what I charge on this account.  I will pay on this account between 36 to 40 more months at $25.00 a month, any made up fees or made up charges--drop it.
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].
Regards,[redacted]

Dear [redacted], I’m reaching out to you about the concern you sent to the Revdex.com regarding Capital One and what information we are reporting on to the Consumer Reporting Agencies (CRAs) like [redacted] and [redacted]. We would like to share some...

information with you. We have found the following information is being reported from Capital One to the CRA’s: ? Account ending in [redacted]: You are reporting as open and no late payments reported ? Account ending in [redacted]: You are reporting as open and no late payments reported ? Account ending in [redacted]: You are reporting as the primary. The account currently reports as with a zero balance. This will be updated after the next cycle to show the accounts current status which is closed ? Account ending in [redacted]: You are reporting as an authorized user, the primary is [redacted] 
[redacted]. The account is open and no late payments reported During our phone conversation on March 13, 2015, I informed you of the above information. You confirmed with me that for account ending in [redacted] you were unaware of being on this account, and that it was being reported to the CRAs. You confirmed with me you are no longer needing assistance or research to be done, and that you were satisfied with receiving this information. We appreciate the opportunity to be able to assist you with your concerns. If you have additional questions, please feel free to call me at [redacted], Monday through Friday from 10:30 a.m. to 7 p.m. PT. I am glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

I truly appreciate the help Revdex.com has provided to help me get in contact with the correct personnel who can address my concerns with my problems at Capital One. On Friday, March 9, 2018 at approximately 11:30 AM PST, we were able to get to a resolution. Charity with Executive Office stated our...

account with Capital One will be credited and there will no longer be a balance with the account. She proclaimed that the credit will take up to 48 hrs before it posts to our account. We are still yet to receive confirmation from either email or through mail of this confirmation, but we are happy that this matter has been solved, as Charity states. You may contact me with any questions regarding this case. Thank you!

[
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID 11451805, 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 [redacted] We recently tried to contact you about a Revdex.com (Revdex.com) complaint escalated to our Executive...

Response Committee (ERC). Since we couldn’t reach you by phone, 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 stated that you were a victim of identity theft and Hudson’s Bay was one of the many cards that were fraudulently opened. You explained that you tried to have this card removed from your credit bureau and have been unsuccessful. Our Response to Your Complaint: Our records indicate that the referenced account was confirmed as fraud. On December 8, 2016, we issued the enclosed letter stating that: x All charges have been eliminated from the account. x The account will be removed from your credit bureau file at the two major credit reporting agencies, Equifax and TransUnion, which can take up to six weeks. x You will not be held liable for any charges. Please accept our sincere apologies for the inconvenience you have experienced. If you would like to further discuss this matter, please contact me at 1-866-685-2264 extension [redacted]. 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: 1-416-549-2768 Capital One Bank (Canada 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 [redacted] at its office at [redacted] or through its website at www.fcac-acfc.gc.ca.© 2015 Capital One Bank (Canada Branch). Capital One is a registered trademark. All trademarks used herein are owned by the respective entities. All rights reserved.Capital One Bank ([redacted]
[redacted]
[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 Ombudsman for Banking Services and Investments (OBSI). The OBSI can be reached the following ways: Toll-free Telephone: 1-888-451-4519 TTY Telephone: 1-855-TTY-OBSI (1-855-889-6274) Email: [redacted] Mail: [redacted] 
[redacted] Toll-free Fax: 1-888-422-2865 Thanks for contacting Capital One®. Sincerely, P. M[redacted] Executive Response Committee  Capital One Bank ([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.
According to all my documents there was no payment due for September, so when I didn't pay October because my deposit would have more than covered it and should have already been returned. It still was not 30 days late in October. The only thing that I am disputing is how October 2016 is reporting on my credit report. I was not 30 days late. I find it funny it took another 2 months to get the remainder of my deposit back too, but that's not what I am disputing. 
Regards,
[redacted]

As a customer of 5 years, I am no longer going to be using my Capital One Venture card. This is frustrating because I have perfect payment history and good credit. Here is why I have deactivated my account. I requested a credit limit increase so that I can move all of my monthly auto-pay accounts over to Capital One and utilize the rewards points, and the response came back "Declined due to low average monthly payment" This made no sense to me since I have had a zero balance for a majority of the time the account has been open, and now that I actually want to use the account and utilize the rewards points, why am I turned away? I spoke with a customer support supervisor and she says all the decisions are made by a computer system which needs some more time to calculate the numbers. You can't have a human being take a better look at consumer accounts to evaluate the situation? I'm sorry, that is ridiculous, and as a result, I will take my business elsewhere.

Dear [redacted] I’m reaching out to you about your inquiry to the Revdex.com regarding the status of your account ending in . We take your concerns seriously and have...

more information to share with you about this. Although we were unable to find any calls where you were provided the information you stated in your complaint, 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 your expectations. We took another look at our records and confirmed it is currently restricted. We show the last payment was made on December 8, 2016, for $[redacted]. We’ve also confirmed there is no payment due at this time. We reviewed your account and unfortunately, it’s not eligible for unrestriction. If your account does become eligible, we’ll be happy to let you know. We’ve also confirmed that your December 8, 2016, payment of $[redacted] has posted to your account and we are unable to refund any portion of this payment. If you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from 7 a.m.-3:30 p.m. PT. 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, Jamie G[redacted], on behalf of Capital One cc: Revdex.com © 2016 Capital One. Capital One is a federally registered service mark. All rights reserved.

Dear Mr. [redacted], Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of...

Kohl’s for resolution. While Kohl’s has an established partnership with Capital One N.A., we provide the in-house servicing for your Kohl’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 Kohl’s failed to credit you for a returned Kohls.com order. You are requesting that Kohl’s process the full credit for this order, as well as reimburse you for any assessed late fees and interest. Upon review of your account, our records show that on April 30, 2015, you placed Kohls.com order #[redacted]. Regrettably, when placing the order you input the incorrect shipping address. You contacted our Kohls.com customer service on May 2, 2015, and requested we change the shipping information. We followed up with you on the same day and informed you that we were unable to change the shipping information once the items have been sent, but that we would credit your account when we received the merchandise back to our warehouse. Due to a system error, on June 3, 2015, a partial credit was processed to your account for $46.01, rather than the full amount of the order, $110.60. On July 27, 2015, the remaining $64.59 was credited back to your account. As a courtesy, we have credited the $25.00 late fee that was assessed to your account on July 16, 2015, and the $4.91 in interest fees that were in relation to this charge and were assessed to your account on July 21, 2015. As of the date of this letter, your account has a remaining balance of $49.40 stemming from a previous balance. I have enclosed your recent statements for your review. We apologize for any inconvenience this situation may have caused. 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 Kohl’s Department Stores

[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]