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.]
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]
I have the money order stup from [redacted] showing they cashed it that's why they paid me thank you for your help

Revdex.com:
There was no offer I don't understand why they cannot reply to this as well as the attorney general as I am not quite sure how much he can actually help me. I have...

received nothing from the attorney general so I am not sure if my case is going thru there or not. 
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.
[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.
[Provide details of why you are not satisfied with this resolution.]
when I call in to make a payment and simple  request of them just givign me my confirmation number is met with thats not our policy we are not goning to do it and when I make my payment and the change my mom minimum do and dont tell me and let me make it for a lesser amount and then  charge me a late fee their so called fix for that was taking off the late fee thats their fix that makes it all better no
[redacted]

I had an auto loan with this bank. I ended up unemployed to a lengthy period of time and the offered me their unemployment benefit. In trying to get enrolled in that I was given the run around about how they needed a letter from my former employer. My former employer had gone out of business. I offered to send them a copy of my unemployment claim from the state and they would not take that stating they needed a letter from my former employer. When I offered that they the state would send them a official copy of my unemployment claim directly from the state they still said they needed a letter from my former employer already knowing that my former employer had gone under. Eventually I ended up employed again and asked if I could refinance the loan of my car being as though I was behind, so that I could try to pay extra on my loan to catch up. They asked for my most recent pay stubs. After they received them, I received a phone call later stating that they would not be able to assist me in refinancing because I "make too much money". This company went above and beyond in their effort not to help, or even allow me to get back on track. I would advise anyone to stay far away from this institution.

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]

NEVER! USE CAPITAL ONE! The absolute worse bank next to [redacted] bank to deal with. Customer service that is no help. in fact never dealt with one that knew thier rear from a hole in the ground. And when u try to refinance because your absolutely fed up dealing with them they give u a 10 day payoff then take 20-30 days to process then hit u with late fees and daily interest to suck more money out of you. Its hard to be a blue collar worker which is the backbone of this country when everything is ran by crooked corporations that payoff senators to overlook the big issues like these.

Capital One was informed on Tuesday that an improper charge was filed, 100 times more than actual bill: $21,000 versus $210. Vendor confirmed it was $210 on phone with Capital One and my engineering business. Despite reported fraud, capital One paid the entire fraudulent amount on Friday, wiping out my remaining credit, resulting in rejection of valid charges. After 5 hours on phone attempting to resolve, I was informed it was MY problem to recover my $20,790. Of course vendor, a [redacted], is not returning anyone's calls. I'll be taking my business elsewhere and suggest you do as well.

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.
Based on your reply - why then did CAPITOL ONE BANK give me permission to charge the card?
If there were any issues I should have been told not to charge the card. The directive came from capitol one and capitol one is ultimately responsible.
Regards,
[redacted]

Dear [redacted]I’m reaching out to you about your concern to the Revdex.com (Revdex.com) about the access checks you received for your account. Thank you for your patience while we...

reviewed your submission.We understand you would like an adjustment on the $[redacted] purchase for *% interest for the next 12 months, and for the interest applied to your account to be credited. Per the terms listed on your access check (enclosed), it outlines options on how to use your access checks. The access checks can be used for purchases or for balance transfers. Once the transaction is approved it will be placed under the special offer to allow you to take advantage of the promotional offer. Please note, it is at the merchant’s discretion to process the access checks.We took another look at the actions taken on your account, and confirmed no bank error. In further review of your account, I contacted the [redacted] listed on your December 2016 billing statement (enclosed), and their Customer Service Department advised they do not accept access checks as payment for purchasing merchandise. Please note, the access check is linked with your credit card and not a checking account.Additionally, I located call recordings with both our Customer Service and Escalations Departments. During the calls the agents advised that access checks can be processed at the merchant’s discretion, and further advised that due to you using your credit card versus the access checks offer, we’re unable to apply the promo to the transaction for $[redacted]. This is because the promotion has a certain segment that transaction is applied to. Your credit card was not part of the promotion that was being offered to your account and is not coded to this segment, so the transations had interest billed at your Annual Percentage Rate which is at [redacted]% variable for purchases. We are also declining your request to credit the interest charges.Please be assured the Capital One adheres to all applicable laws and regulation concerning the management of our accounts.© 2017 Capital One. Capital One is a federally registered service mark. All rights reserved. If you have additional questions, feel free to 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 phone PIN when prompted. My 7-digit extension is [redacted]. I am glad to help any way I can.Sincerely,Janina C[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]

[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 made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me ONLY when...

[redacted] responds. If I do not agree with the response with [redacted] I will continue to move forward with this complaint. 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],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,

Dear [redacted], I am reaching out to you about your complaint to the Revdex.com, about an IRS 1099-C tax form you...

received and the validity of your account. We value your feedback, and we’re glad to share more information about this. My research confirmed that your account was originally a Best Buy account that was opened with [redacted] Bank Nevada, N.A. on March 7, 2007, through online application. [redacted] Bank sold the majority of their North American credit card portfolio to Capital One on May 1, 2012, including this account. At the time of sale, Capital One became the legal owner of the account. In response to your complaint, our Fraud Department conducted an investigation into this matter. Based on this investigation, we’ve determined that the account ending in [redacted] is a valid account that belongs to you. The account was opened using the address [redacted], which links to you in public records. In addition, your account profile was updated for other addresses that also link to you in public records, specifically [redacted] 
[redacted]. We have also verified that the date of birth and social security number on the account belong to you. Based on this information, we’ve been able to verify that this is your account. In your complaint, you indicate receiving a 1099-C for the tax year 2014. Due to delinquency, [redacted] Bank charged off this account on February 28, 2009, with a balance of $1,650.32. Before selling its credit card portfolio, [redacted] Bank attempted to collect this delinquency balance from you through litigation. On June 17, 2011, [redacted]., the law firm representing [redacted] Bank, dismissed that case without prejudice and sent you notice of this dismissal (copy enclosed). Please understand that this dismissal did not invalidate the debt. On December 31, 2014, we made a voluntary decision to stop attempting to collect this outstanding amount from you. A 1099-C was issued to you on December 31, 2014, for the amount of $1,650.32, since we are no longer collecting upon your account. I have also confirmed that we are no longer reporting this account to the Credit Reporting Agencies (CRAs). If you have additional questions or concerns, please contact me at [redacted]. I am available to assist you from the hours of 8:30 a.m. to 5 p.m. PT, Monday through Friday. 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.]
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 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 should not be allowed to ask for these documents I want the account deleted from their site

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.They have not listened to the conversations I had with [redacted] who told me that this would not reflect as charged off. This is the reason why I accepted the offer. They should follow up on what they offer and not disclose partial information so that the customer accepts the offer. This is not right.. they should listen to the conversations I had with her... She told me that, otherwise I would not have accepted it.
Regards,
[redacted]

Change your name to CRAPital One, abusive, rude, unreasonable, collusive, bullying. Crapital One stands up for their corporate buddies and craps on their customers. Thanks for nothing, keep up the good work of crapping on the little man to support corporate greed and oppression.
After several notifications that a vendor was inappropriately charging my card and several card cancellations (by me) to try and prevent the charges Crapital One demanded payment on the third card they issued that I had not even activated (they activated and allowed the charges). I paid the first two extra charges, but once I refused to pay the third charge Crapital One finally closed the account and wants to collect from me. I refused and reminded them that I notified them several times and that several cards had been issued to try and prevent the charges however the left hand didnt talk to the right one in their organization so I did not believe that a form letter notification from the vendor saying the charges were authorized was sufficient to support me paying the fraud a third time. Crapital One stood behind their corporate buddy and demanded payment or they would report to the credit agencies. I refused to be blackmailed by Crapital One so they have reported non-payment. Several collection agencies and attornys have contacted me on behalf of Crapital One to try and collect the $400; however each time I explain the facts they return the account to Crapital One, everyone that touches this account knows what they did was wrong except the croonies at Crapital One, they are using their size to hide behind their corruption. If anyone with common sense actually took the time to research my situation I doubt they would continue to try and extort payment from me.
[redacted]