Capital One Financial Corporation

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]

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

[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]

March 02,2018
Dear Mr.[redacted]
Your letter states Capital One was not able to complete the loan process due to a question about some lien with my home. There...

is no lien on my home. No one said anything after I provided the Will if there still was a problem! I have been with this Bank almost 40 years when it was [redacted]. This is how Capital One treats their loyal customers! So now you are saying the application was withdrawn. So who withdrew my loan? One thing I do have is my letter from the Bank stating I accepted the offer on October 23,2017.The letter is dated November 15,2017. The Home Equity Check List was handed to me the same day I accepted the offer. I returned all documents listed back to the bank. I watched as she checked them off. I never faxed any documents. I hand delivered everything to the Bank and waited until they were faxed. It was her job to keep me informed and to make sure she had all paperwork in order. Now you are trying to blame me. I have worked as a Registered Nurse for almost 40 years and I have never seen or heard of anything like this in my career. They Collected my personal documents then refused to let me review them. Again I'm requesting my signed copies of the Disclosures. You as the lender still have not provided them to me. You all don't have to keep saying that Capital One is not going to give me the loan! I know what happened and so does Capital One!!


[redacted]
after I provided the Probated Will,

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]

[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]

[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 so long as the original $** due from the storage facility also remains permanently credited from my account, as explained in the letter of correction I sent to CapitalOne months ago. I will wait for the business to perform this combined action and, if it does, will consider this complaint resolved. If the company does not perform as promised and requested then I will get back to you at: [email protected].
Regards,
[redacted]

Several years ago I signed up for a Capital One Secured credit card. When signing up I was told to make 12 consecutive payments and then call to have my account converted to an unsecured card and receive my initial $1000 deposit back. After making 12 payments I called and was told that no refund could be issued and secured credit cards could not be converted to unsecured. Although upset I let it go and continued growing my credit.
Fast forward to 4 months ago and my credit has been repaired. It was time to cancel the old secured credit card. In September 2016 I paid the remaining balance and called to cancel my card. I was told that refunds don't get issued automatically so wait one week and then call back to have the check issued. I called back and was told a check was automatically issued the day after I cancelled my account and I should be receiving a check in the next couple days.
Unfortunately, the check never arrived. Since then I have contacted Capitol One at least 6 times asking for my refund. Each time I am told they have emailed the department that handles that and to wait another 7-10 days. Each time, nothing arrives.
Last Thursday I called and spoke to a rep. He said he was going to personally resolve this issue. He emailed the department and said he would personally call me back on Sunday (because he was off Friday and Saturday). Sunday and Monday came and went without any contact from Capital One.
With my frustration growing and having already wasted countless hours on hold with Capital One I called again today (January 10, 2017). After 30 minutes on hold I was told the rep (in the escalation department) could only email the department that handles the secured card and hope that someone would contact me in the next 24-48 hours.
On each call I have requested to be transferred to a supervisor or someone who can handle the issue and I have received no assistance. While the employees are polite they are either incapable or unwilling to assist a desperate and loyal customer. I am frustrated and tired of dealing with Capital One. I will be cancelling my unsecured card with Capital One as well as my checking and savings account. I am forced into repeatedly calling Capital One and begging for my refund. How can I find a solution to this ridiculous problem.

Sorry I was out of town......Capitol One contacted me and the situation was resolved.  They agreed to stop all solicitations for credit cards, loans, etc. Thank you for your help.

[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],We reviewed the concerns you expressed to the Revdex.com (Revdex.com) regardingchecks deposited into your 360 Checking and wanted to follow up with you.After reviewing your account activity, we found that many of your check deposits were returneddue to insufficient funds and the...

fact that the checks weren’t made payable to your name. As aresult, the decision was made to end our business relationship with you, and you’ll be unable toopen new accounts going forward.We confimred that your 360 Checking was closed on February 10, 2016. The remaining balanceof $234.54 was sent to your mailing address on file. You can expect the check to arrive 5-7business days from the account closure date.If you have any additional questions, please reach out to our Customer Security Team at [redacted]. Associates are available Monday – Friday, 8 AM ET – 11 PM ET, and Saturday, 8AM ET to 6 PM ET.Sincerely,

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 effort was made to correct the issue, and all that was provided was a copy of the customer agreement outlining the unreasonable and unfair terms. This was not resolved to my satisfaction, and seemingly will not be. Capital One is by far the worst credit card company with which I have done business; not only from this experience with their terrible communication practices, but also due to the fact that they also provided a MUCH lower credit limit than other large well known credit companies and disregarded requests to increase said credit limit.
Regards,
[redacted]

Dear [redacted],This letter is in follow-up to our phone conversation, and the concerns that you shared with the Revdex.com (Revdex.com), regarding the information we’ve reported to...

the Consumer Reporting Agencies (CRAs), like [redacted] and [redacted]. Our goal is to provide excellent customer service at all times. I’m sorry for any frustration that this may have caused you. I’d like to share more information about this with you.Although we found no error in the way we were reporting your account to the CRAs, we made the decision to remove the past due payment history from your credit file as requested. A request has been submitted to the CRAs to update the over 30 days past due reporting for October 2016. The reference number for this request is AUD [redacted]. It may take up to 60 days for the CRAs to update their records.We show that the new balance on your August 2016 billing statement was $[redacted], with a minimum payment due for $[redacted] on September 16, 2016. We did not receive your minimum monthly payment by the due date. We did not receive your required minimum monthly payment for your September 2016 and October 2016 billing cycles. We did receive a payment for $[redacted] on September 22, 2016. This partial payment did not bring the account current. The account was still past due for $[redacted], since the minimum payment due by October 16, 2016, was $[redacted]. On October 21, 2016, we received a payment for $[redacted], and another payment for $[redacted] on November 10, 2016, bringing the account current. I have enclosed the August 2016-November 2016 billing statements for your review.© 2017 Capital One. Capital One is a federally registered service mark. All rights reserved.If you have any additional questions or concerns, please call me at 800-955-1455, Monday-Friday from 8 a.m.-4:30 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,Cathy M[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: [email protected].
Regards,
[redacted]

Dear [redacted] I’m reaching out to you about your concerns to the Revdex.com (Revdex.com), about a payment on your account, and your enrollment in our Credit Steps...

program. In your correspondence, you stated there was a system issue that caused your December 2016 payment to be counted as late. I was able to confirm there were no system issues at that time. On December 6, 2016, you made an online payment of $[redacted]. However, your payment was made after the cut off time of 8 p.m. ET, so it was applied to your account on December 7, 2016. When online payments are made after the cut off time of 8 p.m. ET, the system does not give you the option to select the same day. As a result, your December 2016 payment was considered late.Credit Steps is a program that provides access to a full pre-qualified credit line for designated customers who successfully fulfill the requirements of the program which includes making five timely payments of the minimum amount due. Our records show your December 2016 payment was the second payment due on your account. I’ve confirmed your account is still enrolled in our Credit Steps program. Your account remains eligible to receive access to a higher credit line at the program’s 10th billing cycle if you continue to meet the requirements of the program. At this time, we are unable to increase the credit line on your account from $[redacted] to $[redacted] © 2017 Capital One. Capital One is a federally registered service mark. All rights reserved.If you have any 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 am glad to help any way I can. Sincerely,Tiffany R[redacted], on behalf of Capital One

Dear [redacted], This letter is in response to the complaint filed with the Revdex.com about your request for reinstatement of your account. I am glad to share more information regarding the status of this account. Per your request, we have...

reinstated your account as of February 25, 2015. If you have additional questions, please give me a call at [redacted], I am available from 6:45 a.m. to 3:15 p.m. PT, Monday through Friday. I’m happy to help any way I can. Sincerely, [redacted], on behalf of Capital One

Dear [redacted] 
I’m reaching out to you about your concerns submitted to the Revdex.com (Revdex.com) regarding an account upgrade and the Annual Membership Fee ([redacted]) billed to your account.  Verdana; font-size: 11px;">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. In your concerns, you stated that you were advised during a phone interaction that your account would not be charged an [redacted] after being upgraded in 2014. We were unable to find any calls where you were provided the information you stated in your complaint. Our records show that on August 14, 2014, your account was upgraded to the Quicksilver One Cash Rewards Card which gave you the ability to learn [redacted]% cash back on purchases. During this upgrade, the original terms and conditions of the account remained the same, including the $[redacted]. I apologize for any confusion that this may have caused. I’ve also confirmed that since your account upgrade, each [redacted] that was charged to your account has been credited to your account and your account has been closed per your request as of October 23, 2016. I have enclosed a copy of the confirmation letter for your records. 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,Judith R[redacted], on behalf of Capital One Enclosure cc: Revdex.com © 2017 Capital One. Capital One is a federally registered service mark. All rights reserved.

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.]
I did NOT reject the cancellation of the Recall on January 27th. This does not make sense and I did not authorize the recall of the cancelation. Regards,[redacted]

I have had more problems with capital one than with any other credit card company. Now many of their practices are great. However many are not. My husband and I try to pay our credit cards a couple times per month. Capital one tries to negate the practice of paying down credit cards. They put unnecessary holds on available credit if you make multiple payments per month or if you are late (about a week) . Then they make you call to have the funds made available and will talk to an authorized user about everything but then will make the primary call to make it more difficult saying that their practices forbid talking to an authorized user. (WHAT) What a waste of time and completely untrue. Customer service also each share different information. They are inconsistent and it is clear that the customer service agents are from out of country making it harder to communicate. When you ask them about their practices they just say " its policy" but when you ask why they say "because its policy". There are no reasons for doing what they do, they say that it is to give time for the funds to clear the bank but it is clear that the funds have transferred because transfers only take a day at each bank. There would also be no reason to have to wait. Most credit cards give you the money right away and do not make you wait a week.