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]

Dear Mr. [redacted] 
The Customer Satisfaction Team of Capital One Investing, LLC ("COFI" or "the Firm") is in receipt of the above-referenced complaint you filed with the Revdex.com ("Revdex.com") on 12/31/16. Thank you for your patience as we researched your...

concerns. To summarize your complaint, you have been seeking a transfer of assets from [redacted] to [redacted], but have not been able to do so due to rejections of your request by the Firm. I would like to address the comments within your complaint, review what has happened, and discuss moving forward. First of all, a transfer of assets from one firm to another presents unique risks to a brokerage firm and therefore requires extra scrutiny. We are not able to accept transfer requests verbally or by email because of this need; requiring paper documents helps us get an appropriate measure of security regarding your assets. We take account security very seriously, and we seek to verify your identity every time you call us to discuss your account. For these reasons, we cannot discuss your account with others, including [redacted] agents and those with Power of Attorney (POA) without your approval during that specific contact. We do not have a way to authenticate a person with POA. 
Moving on to the documents we have received, the first set of transfer forms arrived on 10/19/16. At this time, the documents had been signed by [redacted], the POA, but we had not received any legal forms or documents confirming that he had the authorization to act in that way. We received a second transmission sent on 10/31/16, which appeared to relate to the POA, but its pages were illegible. When POA forms were received on 11/3/16, we found we could use them if we had a copy of [redacted] ID on file. We later received a copy of his ID and approved the POA on 11/15/16. 
Additional transfer forms came in on 11/1/16, again with the POA's signature, but were rejected. An alert message was posted to your account explaining that transfer instructions were missing or illegible. The documents requested that we transfer [redacted] shares of [redacted] from your account, but only [redacted] shares existed in the account at the time. We explained to [redacted] on 11/16/16 that the paperwork requested a specific number of shares to be transferred, and that amount no longer existed in the account. [redacted] confirmed that the transaction that caused this to· occur took place after the paperwork was created [redacted] shares of [redacted] were sold on 10/21), and we explained in return that we needed [redacted] to send updated paperwork with the revised number of shares to be sent. 
Despite the discussion on 11/16/16, the third set of transfer forms that arrived on 11/30/16 had similar issues. In this case, the form requested we transfer more shares in both [redacted] and [redacted] than were owned in the account. We were not able to do this and therefore rejected the paperwork. 
Finally, you contacted us on 12/29/16 regarding a new set of paperwork from [redacted] which had been overnighted to [redacted]. We were not in receipt of the forms at the time, but we were able to track them down using the [redacted] confirmation number you provided in chat on 1/3/17. Unfortunately, that form could not be processed, since the [redacted] acco1J.nt number was not used. The form requests a transfer from a completely different account number which does not appear to be relevant to [redacted]. 
As it stands now, we do not have transfer forms that are eligible for processing. The documents we received on 11/30/16 could still be used, however, if your account indeed had [redacted] shares of [redacted] and [redacted] shares of [redacted] to transfer. If you would like to pursue this route instead of submitting additional forms, you would need to purchase shares of both of those securities by no later than Tuesday, January 10. This is because the POA's signature on the form is dated 10/17 /16, and we must have the transfer approved within 90 days of the dated signature. Since this is a time-sensitive possibility, I placed a phone call to both of your phone numbers on file to discuss it yesterday, 1/5/17, but did not reach you.
If you prefer not to buy shares, [redacted] would require new forms to send your shares directly to [redacted]. You could ask [redacted] to draw up paperwork similar to the forms we received on 12/30/16, but with the proper account number. The 12/30/16 forms requested a full transfer instead of a partial transfer, which would relieve you from having to enter the number of shares to send. 
Understanding that this has been a difficult process for you, you may also wish to consider selling shares, taking a withdrawal, and then depositing that money to the [redacted] account. Of course, selling shares could create a taxable event and may not be appropriate for your situation. 
I hope this information helps to clarify where things stand with Capital One Investing. I would be more than happy to assist you with this transfer by crediting you with funds to offset the charge to transfer assets, and/or providing trade credits so you can sell shares with no commissions charge and then transfer your cash as you feel it is appropriate, but the requirements regarding transfer forms are important for us to maintain for security reasons. We are not able to make exceptions to those requirements to assist with the transfer. 
Sincerely, 
Daniel C[redacted] Customer Satisfaction Specialist

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]
This isn't a final on the response and I do appreciate the help that was given so far. I best felt it would be better to have this in writing vs over the phone so you can see and compare it to your own records for my account. I found the information as far as why my credit score has degraded so much and it does lead back to Capital One. Provided are the details of this. It appears that nothing has been reported to the credit companies since Feb 25, 2016. It's just holding my last balance of 287 which is dragging it down, despite the fact that the account is now closed. This needs to be reported as my balance is paid off and that the account is closed. After talking with both [redacted] and [redacted] about this, they both agree that once it's reported, my credit will rise again, although the damage done to it is unknown until accounts are settled.

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 am still not able to access my account online. I was given a special URL with which I am able to log in to my account, but it is not the "normal" login procedure.

[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]

[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]

Dear [redacted]I’m following up with you about your concerns submitted to the Revdex.com (Revdex.com) about a payment you made using...

your mobile device. I’m sorry that I was not able to reach you by phone.I understand from your complaint that you made a payment using your mobile device and the payment posted for lower than you intended. Our records show that this was not due to Capital One error. You stated that you paid the minimum payment of $[redacted] on December 1, 2016, but the payment posted for $[redacted]. As a result of not receiving the full minimum payment, a past due fee of $[redacted] was billed to your account. I verified that the past due fee you were chargedwas credited to your account on December 2, 2016. This credit appeared on your January 2017 statement. I have enclosed a copy of your December 2016 and January 2017 statement for your review.You are requesting that we credit you back for the extra payment you made on January 2, 2017, and I confirmed we only received one payment in the amount of $[redacted]. The amount you paid included your minimum payment, past due fee and interest. At this time, your account is currently in good standing. As a reminder, the mobile application has several payment amount options that include, minimum payment due, last payment posted, last statement balance, current balance and other amount. By selecting the minimum amount due or an amount greater than the minimum amount due, your account will remain in good standing.© 2017 Capital One. Capital One is a federally registered service mark. All rights reserved. If you have additional concerns, please give me a call at 800-955-1455, Monday-Friday from 8:30 a.m.-5:30 p.m. ET. When contacting me, please use [redacted] as the 6-digit PIN when prompted. My 7-digit extension: [redacted]. I’m glad to help any way I can.Sincerely,Kay K[redacted], on behalf of Capital OneEnclosurescc: 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.]
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]

I am a long time holder of a Capital One Credit Card. Recently I found a 141.97 charge to my card by [redacted] Magazine. Upon calling the magazine vendor they claimed that I agreed to an automatic renewal as part of my previous subscription. I am sure buried in the endless fine print they likely had this self-serving clause.
Since my last renewal of the magazine, my credit card number has changed twice due to the rampant fraud the industry has to cope with. What I find disturbing is that Capital One allowed [redacted] Magazine to get my NEW credit card number without notifying me! I feel they failed to provide a basic fiduciary relationship with me and apparently choose to prioritize the interest of a magazine vendor over our long term financial relationship.
I wonder how many of these charges go through without credit card holders knowledge? I also wonder if this is standard operation procedures within this segment of the financial service industry and if indeed the problem is systemic? Is it possible to find a credit card company who will protect my interest?
My experiences with Capital One have been positive until I discovered this policy.
Thank-you for your time.

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 resolution is an untruthful statement from Capital one. For example, the $** ATM transaction they refer to is Not plausible. An ATM transaction fee alone is $**. With a $** minimum withdrawal. So the amount would be $**. Capital One stated in our talk that they have no way of knowing where said transaction was made. Also false. In our 1st discussion January 6th which is Not noted in response the Capital one representative stated that indeed their were irregularities on my account, including the 2 unauthorized payments of $** & $**. However in a return call on January 11th , the representative did an about face and attempted to place blame on me the consumer. When I described my dismay to the Capital One representative and informed her I would contact Revdex.com, she laughed and said that attempt would be futile.  In conclusion I have told the truth and Capital One has misrepresented the facts. It's fraud .
Regards,
[redacted]

[redacted]I am responding to a complaint filed with the Revdex.com (Revdex.com) about your CapitalOne account. Thank you for providing your feedback about our settlement process. We do striveto provide excellent customer service on all of our calls and will use this...

feedback to makeservicing better in the future.Due to delinquency the account charged off on July 14, 2012, with a balance of $3,987.80 andthe account was settled with the last payment received on July 30, 2014, in the amount of$661.13.On August 2, 2012, the account was placed with [redacted]. Payments were made twice amonth for $75.00 from August 28, 2012, until May 14, 2013. A repayment plan was set up onJuly 24, 2013, for $146.89 for 18 months beginning on July 26, 2013, until July 8, 2014. Ourrecords show a call was placed to the agency on July 24, 2014, requesting settlement of thebalance. At the time of the call, the disclosure regarding the issuance of the 1099-C was read. Itwas also read again on July 24, 2015. A settlement was offered for the amount of $661.13,which was accepted. Please note, that if we cancel or forgive $600.00 or more on a debt youowe, we are obligated by Federal Law to inform the Internal Revenue Service (IRS). As such, a1099-C was not issued. I’ve confirmed that the account is being reported as settled after chargeoff. Because this account is reporting correctly, we are unable to modify this information.I appreciate the opportunity to address your concerns. If you have any additional questions orconcerns, please give me a call at [redacted], Monday through Friday from 9 a.m. to 5:30p.m. ET. I’m glad to help any way I can.

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 does not resolve...

my complaint at the present time.  According to the letter that was attached to your email, Capitol One claims they received the documents on Feb.  23 and are reviewing them. As stated in their letter it will take them 20-25 business days to review the papers and respond which will take them until the end of March. The documents were mailed on Feb. 1, 2018 so I don't know why  Capitol One is stating they received them on the 23rd of Feb.  I would like to keep this case open with the Revdex.com until the account has been closed out and a check has been mailed to Patricia as requested. I'm concerned that Capitol One will not follow through with what their letter states. 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]

[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.Capital One has offered me NO RESOLUTION. They basically told me they don't care about me or my business. THEY ARE TOO BIG TO CARE! I will never do business with them again. No matter how low my balance is on my credit cards and even when I pay them off, they still refuse to lower my interest rate. 
Regards,
[redacted]

I've been a Capital One customer for over 15 years, and on Friday 01/29/2016 my account was hacked by criminals and NONE of the safeguards that Capital One had in place worked to protect my money.
1. They were able to withdraw funds from my account using the ATM. (Somehow obtained my PIN # or changed PIN # and also exceeded daily withdrawal limit)
2. Hackers called Capital One Customer Service department and was successful in transferring funds from our savings and also from a second checking account into our primary checking account which they had the "dummy card" for and cleaned out all three accounts in one day. (Our Daily POS limit is $2500, they far exceeded this amount as they cleaned out our accounts.)
3. Capital Once became aware of the breach, cancelled the affected debit card, and sent a new one. They NEVER called to advise/notify us of the problem. When we received the new card, we had no idea why it was sent.
4. As the owner of the account and a loyal customer for over 15 years, no consideration is granted to us as it relates to replacing our funds. We have been advised that it could take up to 10 business days to replace funds and we must wait for them to complete their investigation. Meanwhile, it's the beginning of the month and we need to pay our bills.
Once this issue is resolve, I have no confidence in Capital One's ability to protect my money or personal information going forward. To be told by several people that work for them, " This is their job (criminals), they spend all day thinking of ways to rob people of their money." My response is that as a financial corporation, is it THEIR responsibility to ensure that criminals are NOT successful in their quest to rob their customers of the billions of dollars placed in their banks on a daily basis. This clearly their pathetic attempt to reduce their accountability in this situation.

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.]Firstly, the reason for my cli being declined is none listed on the website.
Second, that payment return is completely the fault of capital one because they processed my payment through an account that did not belong to me that I did not authorize and I want that returned payment to be taken off of my record.
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]
They are still adding back the charges  for something I do not have. They cannot seem to understand the repayment from the company goes to them since it was already written off my account. Just note  the company paid don't credit me again and repay themselves, but do not charge me again!!!  they are so stupid!!! Can you please make them understand this?

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 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.
There was still no willingness to offer or move to a better product that offers me more especially since I am not able to make requests or deposits. They still offer a product to clients and a statement which seems to be false was made that they are reviewing the terms. That doesn't resolve what I was looking for so there was no willingness on their part to reach a mutual agreement.
Regards,
[redacted]