Capital One Financial Corporation

Dear Mr. [redacted],Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of [redacted] for resolution. While [redacted] has an established partnership with Capital One N.A., we provide the in-house servicing for your [redacted] 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 you did not receive your April 2015 electronic statement notification, resulting in you missing your April 2015 due date. You state this is an error caused by Kohl’s, and request that the interest charge on your account be refunded.As a courtesy to you, we have credited $1.28 in interest charges as requested. This credit will appear on your May 2015 billing statement.I researched your concerns and found that your electronic statement notifications are being issued to the email address [redacted] I also confirmed we have not experienced any issues with our electronic statement notification system that would result in you not receiving your notifications, and we have not received an undeliverable message when sending statements to your email address.To ensure timely delivery of your [redacted] notifications, please make sure you add [redacted] to your contacts. Some email providers may flag our emails as spam or junk mail. Additionally, please keep in mind that your statement is not sent via email, but rather posted to your My [redacted] Charge account online. The email is only a notice that your statement is available for viewing. We have no record of your request to be removed from paperless statements.Mr. [redacted], we look forward to serving your needs in the future. If you have any further questions, please do not hesitate to contact me directly at [redacted]My 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 [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]

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.
[Provide details of why you are not satisfied with this resolution.]
Regards,[redacted]
we are still negotiating and things have not been resolved, I expect to hear from [redacted] any time soon.

Dear [redacted], I’m reaching out to you about your concerns to the Revdex.com (Revdex.com) regarding a fraudulent account....

I’m sorry for the frustration that you may have experienced regarding this matter, and I would like to share my findings with you. Our records indicate that the account was opened on March 30, 2012, after we received an online application. Your name, date of birth, and Social Security number matches the information listed for you with the Consumer Reporting Agencies. The account was established with the mailing address of [redacted], and an email address of [redacted]. This information was been validated to you through public records. We mailed statements and other notices to this address and have no record of having received any returned mail through the U.S. Postal Service. I have enclosed copies of your April 2012 through November 2012 billing statements for your review. The credit card was mailed to the address in our system of record. We show that the card was received and activated on April 5, 2012, and the Personal Identification Number (PIN) was changed. That same day a cash advance for $100.00 was made at the Ladysmith Citgo Automated Teller Machine (ATM). On May 3, 2012, we received a phone call from you stating the first billing statement had been received, but the credit card had not arrived. We advised that we need verification documents, you had the option to take them to a local Capital One branch, or the documents could be faxed. You requested that we finish the conversation with your boyfriend and we advised him the same information. The address was changed on the October 2012 statement to [redacted], [redacted], and this address was also validated to you through public records. The account charged off due to delinquency on November 28, 2012, with a balance of $606.78, and was sold to [redacted] (PRA). When this happened, PRA became the legal owner of the account. For further assistance, please contact PRA directly at 800-772-1413. © 2015 Capital One. Capital One is a federally registered service mark. All rights reserved. We do not show where you had previously contacted us to report the account as fraud. We are unable to accept this claim at this time until you provide us with a police report naming your ex-boyfriend as the person who applied for the credit card without your authorization. Once we receive this information, we can review this claim again. Please note that Capital One complies with all applicable laws and regulations while servicing and collecting on our credit card accounts. Please be reassured that we keep account information confidential and secure, and we do not disclose account information to anyone other than the account holder. If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 4:30 p.m. PT. 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

[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] We have resolved the complaint. I will continue to watch my account and see how postings are dated.
Thank you so very much for all you all have done.

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.
[After I read it carefully, I did not find any regional restrictions, do not recognize the results, the attachment for the official documents, please consult.]
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]
This is an on-going attempt to collect significant interest from me since I do pay the balance on time. The response is completely unsatisfactory. Please make sure my complaint shows up in the Revdex.com ratings.
[redacted]

Customer service has always been excellent and their fraud protection services are spot on. They immediately contact about any unusual purchased and have saved me from a lot of headaches through their screening process.

Dear [redacted] We received your concerns to the Revdex.com (Revdex.com) requesting information or that we take action on your...

account. Your account is currently in a cease and desist status per a previous request. A cease and desist status means that you will not receive any collection calls and letters from us, but we will still send you any communications required by applicable law, your Customer Agreement, or in response to a request for information or correspondence raising concerns about your account. Accordingly, our response is being sent in response to your written requests for information and/or to address specific concerns you raised about your account in your submission to [redacted]. This response to your concerns is neither intended to be, nor is an attempt to collect on the debt.The account ending in [redacted] was opened on April 15, 2014, with a, online application. Because the account was opened online, there is not a signed copy of an application to provide; however, the following information confirms you are the owner of this account: x The Social Security number and date of birth we have on record for this account were verified as yours in our review of your consumer credit file. Our records show this account charged off due to delinquency on June 11, 2015, with a balance of $[redacted]. If you would like to discuss the account further at this time, you may contact our Recoveries Department directly at 800-258-9319 for further assistance. We understand you would like us to modify the information we reported about your account. Our records show that your account was charged off with a balance, and we’ve confirmed that we’re reporting accurate information. For this reason, we are unable to send an update to modify your credit file. Finally, multiple Automated Consumer Dispute Verifications were received from the Consumer Reporting Agencies (CRAs) disputing the ownership of the account. We responded by requesting that you contact our Fraud Department. © 2017 Capital One. Capital One is a federally registered service mark. All rights reserved. We've also received multiple letters requesting to validate this account and we responded to each request with letters validating the debt. We trust this response fully addresses your requests. Please understand that if there are any claims that were not specifically addressed, it does not mean that we agree to those claims. If you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from 6:45 a.m.-3:15 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,Dianna M[redacted], on behalf of Capital One cc: Revdex.com

I was fraudently charged $475 from [redacted]. Capital One approved the charges because I gave a copy of my id during the reservation. I tried to resolve it and thought cap one would assist to protect me from fraud. To the contrary, they backed [redacted] AND ADDED THE CHARGES. I have been a member 7 years and my experience with the fraud department has me filling violated like [redacted] fraud charges. No one helps and it is only low level escalations who can't do anything. If this is not resolved, I will be forced to make a payment to protect my credit.

Customer reached out to Revdex.com by phone on July 21 and stated that the charges had been corrected and that the issue was resolved.

[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 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]

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.
Mr. [redacted] could not open the letter from Capital One regarding the Revdex.com Complaint on 10-26-15, Mr. [redacted] request that Capital one mail the recent letter to his home address.  Please thank you [redacted].  
Capital One gave no valid reason as to why Capital One closed my two credit cards?  Capital One has been very unprofessional throughout this whole process, Capital One has been unreasonable and difficult to deal with.  Capital One is a very unreasonable, suspicious company.  Always thinking a customer is fraudulent for no good valid reason.  Thanks Mr. [redacted], 
Capital One never did re-open my two Capital One credit card Capital one gave no valid reason for closing my credit cards.
[Provide details of why you are not satisfied with this resolution.]
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.
According to [redacted] website, the company has 15 days (not business days) to respond before being turned over to the [redacted] for further assistance or being found that the company is liable for wrongdoing.  The company has not filed a response with them to date since the complaint was filed on December 18, 2016.  On the [redacted] website, it clearly states that companies have 15 days (not business days) to submit a response to [redacted] and person who filed the initial claim.  In the same manner, the [redacted] also say that the consumer has 60 days to provide feedback to the to [redacted] not the company has 60 days to respond.  See attached screenshot from [redacted] website.  After several attempts to resolve this directly with Capital One, I have gained no resolution but rude and unwillingness to provide adequate customer service.  This issue is been almost a whole year being disputed and nothing has been done on this situation to resolve it.  Capital One also listed the account on my credit reports as "Account closed by consumer," which I never requested to have the account closed.  Capital One also locked me out of my credit card account as to not let access pertinent information that is relevant to this case.  Capital One has refused on multiple occasions to resolve this issue and has caused unnecessary harm and damage.  Whether this is a duplicate complaint with two separate agencies should not matter.  A response is demanded immediately cause it is clear that they are not willing to respond to the [redacted] but took the time to respond to the Revdex.com. I am wanting this issue resolve before going into 2017 with satisfactory resolution.
Regards,
Temesha Anderson

[redacted]Thanks for speaking with me about your request submitted to the Revdex.com ofCentral Virginia (Revdex.com). Please consider this letter as a confirmation of our conversation.I confirmed there are no pending or recent applications for a credit card in your...

name in oursystem. Additionally, the only account on record was closed on June 22, 2002, and is no longerreporting to your credit file. The inquiries appearing on your credit file are instead pre-screeninginquiries related to solicitations. These inquiries are soft inquiries, which do not negativelyimpact your credit score, and are viewable only by you.To address your concerns, I’ve updated your privacy preferences to opt-out of mail solicitationsfor the following name and address combinations:[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]I’ve also updated your preferences to opt-out of email solicitations to [redacted] andtelemarketing calls to [redacted]Per our phone conversation, please keep in mind the following timeframes for your preferencesto take effect:Mail Offers Opt-Out: If your name was previously selected for any of our upcoming mailpromotions prior to this request, it’s possible for you to receive information from us overthe next several weeks.Phone Offers Opt-Out: It may take up to 30 days for your Do Not Call request to beremoved from all offers. If you receive a Capital One telemarketing call during this 30-day period, please inform the caller that you’ve recently made a request not to receivetelemarketing calls or ask the caller to submit a new Do Not Call request.Email Offers Opt-Out: If your name was previously selected for any of our upcomingemail offers, it‘s possible for you to receive information from us over the next 10business days.Your choices will only apply to the contact information you provided. If you move or change anyof the above information, you’ll need to contact us to update your preferences again.It was my pleasure researching this matter for you. 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’mglad to help any way I can.Sincerely,

Capital One received this complaint and corresponded directly with our customer to resolve the issue.

[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 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.An apology does not make up for all the bs and time. It's like the company has intentionally hired a lot of is that can't resolve a thing! How can this fraud mess just appear out of thin air? You don't even have an explanation for it. On top of this as a result of the games you have played I won't get my full 9 months of 0% interest. This needs to be altered without anymore excuses. I just activated my card. I'm highly upset and disgusted. You need destroy my personal documents I sent in, as they have sensitive information on them.
Regards,
[redacted]