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 response from Capital One in reference to complaint ID [redacted], 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 interest. A 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 do. I value good customer service, listening ears and problem solvers. The last two csr representatives of Capial One I spoke were helpful and knowledgeable. I will keep the proprietary information in mind when I choose to seek other services from Capital One.
[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.
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 letters have completely failed to established the information you are reporting for the following account is accurate:Account Name - [redacted]Account Number - [redacted]Instead, what you have provided is merely a computer screen print out that establishes nothing. I suggest you familiarize yourself with the Fair Credit Billing Act (FCBA, Title 15 U.S.C. § 1601 et. seq.) before proceeding any further. I suggest you review the applicable regulations which can be found at www.ftc.gov, the website for the Federal Trade Commission (FTC), the oversight and regulating agency for your industry.There you will find that, in accordance with the FCBA (see specifically 15 U.S.C. § 1666), it is your responsibility to establish the following:• No unauthorized charges occurred.• charges do not list the wrong date or amount;• there were no charges for goods and services that I didn't accept or weren't delivered as agreed;• you did not make any math errors;• you did not fail to post payments and other credits, such as returns;• you did not fail to send bills to my current address; and• charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification
you are violating my rights as consumer and this needs to be addressed you are not following the FCBA regulations so please validate or erase from credit line 
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] 
THIS COMPANY IS A SCAM LOOK AT REVIEWS FROM ONLINE PEOPLE ARE BEING SCAMMED I SHOULD NOT HAVE TO SEND MY SOCIAL SECURITY CARD ETC TO CLOSE A BANK ACCOUNT SO NO I WILL NOT ACCEPT ANY OFFER FROM THEM CLOSE MY  CARDS!!!!!!!!!!! I HAVE NOT USED A DIME FROM THEM AND THEY ARE REPORTING TO CREDIT COMPANIES THAT'S NOT RIGHT I NEED MY CREDIT SCORE TO BE GOOD

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

information we would like to share with you about this. 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. We took another look at your account and made the decision to apply a one-time credit of $[redacted] to your account balance, which will appear on your December 2016 statement. We have good news! x Your account is now unrestricted, and we sent you a new credit card on December 10, 2016 x All the terms and conditions of your account will remain the same x As of the date of this letter, your current balance is $[redacted] 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 © 2017 Capital One. Capital One is a federally registered service mark. All rights reserved.

[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]

This is a duplicate to a CFPB complaint we received earlier today, we will be responding through the CFPB regulatory channel.

[redacted]I am writing in response to your complaint filed with the Revdex.com (Revdex.com)concerning the way your secure card account is reporting to the Consumer Reporting Agencies(CRAs), specifically [redacted]. I have researched your concerns and have some...

additionalinformation to share with you.This account was opened on January 4, 2013, with a credit limit of $300.00. However, afterreceiving your payment of $25.00 on June 20, 2014, we received no additional payments forfour consecutive billing cycles. This caused the account to be permanently restricted, and onDecember 23, 2014, the security deposit of $300.00 was applied to the balance. This creditappeared on your January 2015 billing statement and brought the statement new balance to$141.36.When no further payments were received, this account charged off on March 19, 2015, with abalance of $146.69. For your review, I have enclosed statement copies from January 2013through March 2015. These statements show the progression of the account balance from thetime it was opened through charge off.Please note that Capital One does not report specific payment amounts to any of the CRAs.Additionally, we are accurately reporting this account to all of the CRAs, including [redacted],as charged off. [redacted] has advised that they have multiple credit files open in your name,which could be causing some confusion with the reporting. If you would like more informationabout this matter, please contact [redacted] directly. I am providing their contact informationfor your convenience:[redacted] Corporation

Capital One, hands down, has the best customer service out of any credit card I have ever had. They are very good. I only have positive experiences with them and they are always willing to help you out when you need it.
I recommend Capital One above any other credit card company out there.

[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 your concerns sent to the Revdex.com regarding the servicing of your account and information we’ve reported to the [redacted], like [redacted] and [redacted] I would like to share...

more information about this. 
Our records show that your January 2014 billing statement showed a new balance of $724.26, along with a minimum payment for $22.00 that was due by February 25, 2014. I confirmed that payments were not received for your February 2014 through April 2014 billing cycles. An online payment was made on May 30, 2014, for $150.00. The payment was stopped on June 2, 2014, by your bank. Since payments were still not received for the May 2014 through the August 2014 billing cycles, the account charged off due to delinquency on August 29, 2014, with a balance of $954.62. We’ve confirmed that we’re reporting accurate information and are unable to modify it in any way. The account is now being serviced by [redacted]. They advised us that they spoke with you in the past and offered you a monthly payment plan for $49.51 until the account was paid in full. If you would like to settle on the account, you can settle for a single payment in the amount of $750.00. Please contact [redacted] directly at [redacted] to talk about the details. 
If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday from 8:30 a.m. to 5 p.m. PT. I’m glad to help any way I can. 
Sincerely, 
[redacted], on behalf of Capital One

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.I looked at the most recent e-mail sent by Capital One Canada. Even though some of their inquiries are legit regarding past 2013 transactions, I still have some doubts about 2014 charges. Because I have heard countless times that several credit companies have overcharged their clients, that is why I am asking you to verify their charge/hidden fees mentioned/not mentioned in my account. Finally, you have to remember that Capital One has not sent me any refunds as far as I can remember within the last 7 years. I will simply ask you to check my up-to-date account for possible refunds and other charges. Thanks in advance. So long! 
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.[redacted]
I received a letter from the Capital One Auto Finance in regards to a complaint I placed with Revdex.com.org. They did not resolve my issue and the fact of the matter stands that I did in fact make arrangements with the company regarding the May 30th payment so it was not late. I had to make arrangements b/c of a mix up on their part. I am asking that this 30 day late payment be taken off my credit report.
Regards,
[redacted]

Dear Ms. [redacted], Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of [redacted]’s for resolution. While [redacted]’s has an established partnership with Capital One N.A., we provide the in-house servicing for your [redacted]’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 rebuttal, you state that you reviewed our response and determined that the proposed action does not resolve your complaint. You are requesting [redacted]’s refund you for a payment in the amount of $285.43. I apologize for any frustration this may have caused you. On May 5, 2015, a payment posted to your account for $285.43. The payment was made through your bank’s bill pay service. The payment and credits that were applied to your account caused a credit balance in the amount of $285.43. On June 10, 2015, we issued a credit balance refund check to the mailing address we have on file for you, leaving the account with a remaining balance of $0.00. Please allow 10 to 14 business days to receive your credit balance refund check in the mail. Additionally, your account was closed on June 16, 2015, per your request. Ms. [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

Our customer is concerned with three cash advance fees that were billed to his account. The customer states that it was not previously disclosed to him that there would be a cash advance fee associated with an ATM cash withdrawal. I spoke to the customer on September 24, 2014, and advised that the...

cash advance fee is disclosed in the terms and conditions of the account. I explained that I would waive the cash advance fees totaling $30.00 as a one time courtesy and advised that the cash advance fee is 3% or $10.00, whichever is greater. Also, I informed the customer that cash advance transactions are subject to cash advance interest charges, which is a variable rate, currently 21.90%. The customer understood. He was satisfied with the resolution.

[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]

This is a duplicate case we previously received through the [redacted] regulatory channel for this customer. We will be responding to the [redacted] with our response.

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.]
The letter I received was pertaining to a bankruptcy, not my actual complaint of how they did not have any payment plans offered to their costumers. The only reason we had to a bankruptcy was because they did not offer any reasonable payment plans this solves nothing.

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.
No is able to tell me if this will be or not be reported for sure. This is outrageous. It MAY be reported is not an answer. This should not be reported because had I received quality customer service the first time I called on the 8th. They would of reviewed my account and offered me an extensions then. Still does not justify why I have to pay any fees for the 4 days it took for your  staff to review an account.  Had they did the job correctly they would of accepted my offered to pay 1000 the day of the 8th.  Instead it took them 4 days to tell me they would accept a little under 700.  That extension was not offered to me as curtsey so much as it was the only option or I choose to let to car go. Which I still have every right to do at this point if you end reporting this anyway. So again, my request was to have this not reported, Which you did not confirm at all and to have my fees paid for those 4 days.   I want the calls pulled and the multiple recorded conversations reviewed.  I want copies now if I may as well. If I have to pay a fee fine.  I even had one conversation and no one wanted to tell me what I was owned if they didn't finish their script. That's how I ended up in the presidents office because I threaten  legal action if no one wants to tell me how much I owe.  No extension was every offered at that time on the 8th and it is absolutely unreasonable that I was forced to wait 4 days because  at the time $1000 wasn't good enough to pay Capital one, they asked for 1600,  I refused,  and had to wait 4 days for you all to come back and tell me $700. Which makes no sense!!! Nope. This offer is declined.
Regards,
[redacted]