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 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. I have continuously been in contact with Capital One fraud department and have spoken to over a dussin fraud specialists since I discovered the fraudulent charges on my account in May 2015. Each and every time, the fraud department managers ensured me that the matter has been resolved and that the four fraudulent charges - $109.99 each - will be credited to my account within a few days. Indeed the charges were credited, only to be charged back again by the company involved in the fraud case - [redacted]. In September 2015, a fraud department manager I spoke with, supposedly called [redacted] while asking me to hold, and personally resolved the issue, so I was told. The charges from [redacted] stopped, but  Capital One failed to credit the four fraudulent charges on my account. Since then the case has been transferred from the dispute department to the fraud department back and forth, and the representatives have been telling me each time I called that the matter has been resolved and I will see the four fraudulent charges credited to my account within a few days. 
It is not satisfactory to me to, at this point, several months after the fraud case has been resolved, tell me that the case is still being investigated. Only a few days after I filed my complaint with the Revdex.com, Capital One credited my account with three of the four fraudulent charges. I do not understand why the remainder one charge of $109.99 was not credited at the same time, and until today I have not received any information regarding the reason for this from Capital One.
As a fraud victim I find it very frustrating to have to be dealing with this issue for over 9 months, and having to turn to the Revdex.com in order to get help with getting this issue resolved once and for all. I feel as I have been misled by Capital One fraud department supervisors who have been telling me that the matter is resolved each time I called them.
I will find it satisfactory once I receive the final credit for the one remainder fraudulent charge of $109.99 that is still showing on my account.
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 says that, "respectfully," they decline any offer of compensation. This means that the approximately 25 hours I devoted to this issue, over the course of 7 weeks, due mainly to the fact that Capital One is understaffed, ill-run, and keeps callers on hold for in excess of 45 minutes each time, will not be compensated. They are also not compensating me for the hours and weeks of intense frustration I experienced while trying to deal with them--over issues that were entirely their fault. 
I find their response wholly unsatisfactory. Even if I were to be paid only minimum wage in the lowest-paying state of the country for the hours I lost dealing (or attempting to deal) with Capital One, this would still add up to a minimum of $130. 
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. 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]

Dear [redacted], This letter is in follow up to your concerns submitted to the Revdex.com (Revdex.com), about unauthorized transactions on your account. Thank you for your patience while we resolve this, and we apologize for any inconvenience that may have been caused to...

you. Based on the additional information we received, we’ve permanently credited your account on June 23, 2015, for $1,815.00. This amount is for the three unauthorized transactions of $605.00 each from [redacted], which were charged to your account on February 08, 2015. This credit will appear in your July 2015, statement. In your complaint, you indicated that your son, the authorized user on this account, is in the military. First, we want to thank him for his service to our country! In an effort to determine whether your account is eligible for enrollment in our Servicemembers Civil Relief Act (SCRA) Program, we researched his status in the Defense Manpower Data Center (DMDC) database maintained by the United States Department of Defense and confirmed his active duty status. As a result, SCRA benefits will be applied to your account ending [redacted]. You will receive an enrollment letter from our SCRA Department with more details about our Program. If you have any questions or concerns, please call me at 800-955-1455, 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 am happy to help any way that I can. Sincerely, Yaime Baca, on behalf of Capital One

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com Case: [redacted] Dear [redacted], I’m following up with your regarding your Revdex.com complaint about your concerns with fraudulent transactions made to...

your account. Our records show on November 4, 2014, you identified fraudulent transactions from [redacted] for a total of $618.42. The merchant credited back $284.58 on November 5, 2014, and Capital One credited the difference of $333.84 on November 6, 2014, pending an investigation. The merchant presented a claim that they issued credits for the additional transactions of $284.58, and on December 15, 2014, and January 24, 2015, we removed our credits and reapplied the amount to your balance. However, on February 9, 2015, because the merchant did not issue the credits as advised we credited your account for the [redacted] transactions totaling $284.58. We also credited an overlimit fee of $39.00. These credits will appear on your February 2015 billing statement. If you have additional questions, please call me at 800-955-1455. I am available Monday through Friday, from 8 a.m. to 5 p.m. ET. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, 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,
*** ***
Hello, I have submitted a complaint against Capital One for this same reason in the past and received a letter from Capital One stating they had resolved the issue and it would not happen again. Yet it continues to happen. I primarily use my American Express Card and on that account I have additional cards. I use to work for *** *** so I added additional cards so I could help others add additional cards. So I added *** *** to my account, which is my first and middle name with my last name missing. Some how Capital One got info from ***, which is highly upsetting in my opinion. I still get card offers from Capital one in the name of *** ***Capital One please take me off your solicitation list. I kindly ask you to do this. If you need to call me to obtain my information so you may complete this request please feel free to call me.

I'll be closing my account once the account is paid I hate businesses that lie. That is not what my balance is. Amazing this is a secured credit card and they can screw a consumer over like they...

didRevdex.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 10668490, 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]

Capital One is a joke and even after they sell your car you are still expected to pay them the original amount so they profit 100%.

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]

Dear [redacted]This letter is in follow up to our phone conversation from January 11, 2017, regarding your complaint received from the Revdex.com (Revdex.com) with concerns of...

possible unauthorized payments and transaction activity on your account.As we discussed, the account is not set up with auto-payments. We do show the payments processed to your account on December 2, 2016, for $[redacted], and December 30, 2016, for $[redacted] were processed through your mobile app. We confirmed that a payment scheduled confirmation email was sent for both payments, to your email address we have on file of [redacted]. There is no indication of fraudulent activity regarding these payments. Regarding your cash advance transaction of $[redacted] reflecting on your September billing statement, our investigation shows this was processed as an ATM transaction with the card present and PIN number entered. You also confirmed your card is in your possession. I understand you would like to resolve this issue, which includes crediting the transaction amount, as well as all related fees and interest charges. Because our investigation shows no indication of fraud, we are respectfully declining your request. Please note, per our phone conversation from January 4, 2017, as a courtesy, I waived the interest charges and fees appearing in your November and December 2016 billing statement in the amounts of $[redacted], $[redacted], $[redacted], $[redacted], and a past due fee of $25.00. These credits appear on your January 2017 billing statement. If you have any questions or concerns, please give me a call at 800-955-1455, Monday-Friday from 7:30 a.m.-4 p.m. PT so we can work this out. 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,Lola L[redacted], on behalf of Capital Onecc: Revdex.com© 2017 Capital One. Capital One is a federally registered service mark. All rights reserved.

Capital One just rejected a plane tickets purchase for $1.25! Am I joking? No my friends, sadly, I am serious. Even after I called them and they agreed that I had always paid on time and well over the minimum payment, they would not budge. Sorry mom, I guess I won't see you this year! I closed my account immediately and you should too. These are completely unreasonable policies. If you are considering opening a new line of credit, I'd go with [redacted]. They have always been fair and reasonable.

We received duplicate complaintsfrom the [redacted] for the following Revdex.com cases below.  Please close this out onthe Revdex.com portal, we will be responding through the [redacted] regulatory channel.

My name is Amy S[redacted] and I live in [redacted]. Capital One was here for me when I tried to rebuild my credit by purchasing a secured credit card with a account balance of $200. Their customer service department went above and beyond their duties. They were always very friendly and courteous to me. I would highly recommend them to anyone who is rebuilding their credit.

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 had a large garage bill pending in the amount of $[redacted]. I wanted to pay the bill using my Capital One credit card and I wanted to be sure the balance on my credit card would cover it so I attempted, by telephone, to clear any transactions already on the card  ($[redacted]) and make an advanced payment in the amount of $[redacted].   It seemed to me that these deposits were accepted by the representatives until a few days later the deposits were returned  with no explanation as to why.  I was accused of fraud by Capital One and with the aid of my Broker and his Secretary we thought we had the fraud issue cleared.
On the Dec. 27,2016 statement I received a note stating that my account had been closed and that it was reported to the Credit Bureau.  Also in a phone conversation with a Cap One representative I was told that I had forfeited my balance of $[redacted] awards that I had accumulated. 
An amount of [redacted] was deducted from my [redacted] and paid to Cap One on Dec. 02 2016.
My intentions were truthful and honest and with the exception of ignorance on my part I still believe that I was wrongly mistreated by Capital One.
Sincerely,
[redacted]

Dear [redacted] I’m reaching out to you regarding your concern to the Revdex.com (Revdex.com) about the closing of your account.  11px;">After conducting a review of your account, we made the decision to close your account on December 22, 2016. Unfortunately, we aren’t able to reopen your account due to the returned check history on your account. On December 22, 2016, we mailed you a letter notifying you of the closing of your account. In case it’s helpful, I have enclosed the letter for your review. Please be assured that the decision to close your account was based on business concerns that did not relate to your credit worthiness. We apologize for any frustration this action may cause. If you have any questions regarding our account closing authority, please refer to your Customer Agreement, a copy of which is also enclosed. Capital One complies with all applicable state and federal regulations You also expressed a concern in your complaint regarding the hold on your payment of $[redacted] made on December 16, 2016, and information you advised you were provided when attempting to cancel your payment. I understand it can be frustrating to make a payment and then not have the payment funds immediately made available to you. Sometimes Capital One will place a hold on a payment to allow enough time to pass for your bank to process your payment. In some instances, we are able to contact your bank and verify if the payment cleared. If cleared, we could release the appropriate funds to your available credit. Our records show that we made conference calls with you and your bank on December 17, 2016, and verified with a representative at [redacted], that the payment did not clear at that time. The payment was ultimately returned on December 20, 2016, for insufficient funds. Further, we were unable to find any calls where you were provided the information you stated in your complaint regarding Capital One cancelling your payment of $[redacted]. During your call on December 17, 2016, you asked the Capital One agent if he can cancel this payment. The agent advised that you would need to cancel the payment directly through your bank. © 2017 Capital One. Capital One is a federally registered service mark. All rights reserved. If you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from 8 a.m.-5 p.m. ET. When contacting me, please use [redacted]1 as the 6-digit PIN when prompted. My 7-digit extension is [redacted]. I’m glad to help any way I can. Sincerely, Kevin A[redacted], on behalf of Capital One Enclosures cc: 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 recently applied for a Capital One secured credit card and was approved on 8/15 requiring a deposit. The deposit was made the same day and I was informed it would take 2-3 weeks to receive the card. My account was opened on 8/23. Based on standard banking practices the card would have been ordered shortly after opening account. I called on 8/29 and I was informed to allow 14 days from date of opening to received card. What I don't understand is why it would take 14 days to received the card (excluding any mail delays). The card had been ordered on 8/23 however had not been shipped. This either represent the need to streamlined the process and/or serious inefficiency with the process. What makes it worst is the Customer service specialist don't seem to be adequately trained to explain the delays/processing times.