Capital One Financial Corporation

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 was unable to respond on the complaint my claim has not been resolved Capital One has not done anything to resolve my complaint nor contact me in regards to my complete I received one phone call and that was it they consistently say that they send the documentation that was never sent to me I received every of statement via email I never received any statements VIA mail. They have not resolved the issue and I am still wanting my complaint to stand.
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]

Capital One®  PO Box 85870 Richmond, VA 23285-5870 December 30,...

2016 [redacted] 
[redacted] 
[redacted] Re: Accounts ending in [redacted] Capital One Case: [redacted] Revdex.com No: [redacted] Dear [redacted] I’m reaching out to you about your submission to the Revdex.com (Revdex.com) regarding the information we’ve reported to the Consumer Reporting Agencies, and the status of your accounts. We made the decision to close your accounts on August 31, 2016. We appreciate the additional information you’ve provided; however, after further review, I can confirm that our decision will not be reversed. We sent letter a letter for your account ending in [redacted] on September 1, 2016, and a letter on September 7, 2016, for the account ending in [redacted] (copies enclosed). We also understand you would like us to report your accounts with a positive status. Our records show that your accounts are reporting as pays account as agreed and closed by credit grantor. On the account ending in [redacted], the account is reporting a 30-day past due payment for October 2016. We confirmed that we’re reporting accurate information, and are for this reason respectfully declining your request to change the information we are reporting. Minimum payments are due on all accounts that have a balance. Our records show the following actions took place on your account ending in [redacted]: • An AutoPay payment of $[redacted] posted to your account on August 24, 2016 • An additional payment of $[redacted] was made through our mobile app on August 25, 2016 • We sent your monthly statement (which had a credit balance due to the payments on August 24th and August 25th) on August 27, 2016 • Your $[redacted] payment returned on August 30, 2016, which caused your account to have a balance and become past due • We sent your monthly statement on September 27, 2016, which showed a new balance of $[redacted] with a minimum payment of $[redacted] due by October 24, 2016. • Your account became 30 days past due when your October payment was not received © 2016 Capital One. Capital One is a federally registered service mark. All rights reserved. Generally, once an account is closed and the balance is paid to $*, the security deposit is refunded and a check is mailed. Because your account was not paid in full after it was closed, on November 2, 2016, your $[redacted] deposit was applied to your account ending in [redacted]. This created a credit on your account. We mailed a refund check of $[redacted] on December 27, 2016. Please allow up to 10 days to receive the refund check. We were unable to find any calls where you were provided the information you stated in your complaint. As of the date of this letter, the balance for your account ending in [redacted] is $[redacted]. Please continue to make payments until the balance is paid in full. If you have any questions or concerns, please call 800-955-1455. I am available Monday-Friday from 7:30 a.m.-4 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, Lola L[redacted], on behalf of Capital One Enclosure cc: Revdex.com

I have a Capital One credit card, [redacted], and [redacted] account. Capital One has been excellent with regard to customer service, proactive credit limit increases, notices, ease of use of website, and other things. I would recommend them to another person.

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]
Thank you for your company's response, but you apparently were not informed that I have a hearing loss in both ears so that I will probably never use a phone to communicate. I have informed both your employees and A

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.
1.  Just because they claim not to be able to find the offer, does not mean it was not offered.  Capital I did not keep their initial promise to the upgrade.  Instead, they kept me on a service that charges an annual fee without advising otherwise.
2.  Now they've created a new complaint, Capital I [redacted] did not provide a definitive answer when asked, how long will capital I retain my personal info on a closed account?'  The answer provided was not just unacceptable, but a direct violation of my constitutional rights and my consumer protection rights.  
It seems Cap I is not providing proper training to their staff regarding regulations & consumer protection.  
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.]
Capital One isn't showing were a payment extension was offered in their system which is my biggest complaint.  Lack of documentation.  I have attempt to retrieve my old home phone history but I'm unable to get a set of those records as well.  I have contacted my attorney regarding this matter and waiting on him to retrieve my old records from my phone.  He will be in contact with this organization also.  I do agree with capital one in reporting accurate information but as of this moment I feel as if they are reporting inaccurate data on my reports. 
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 am writing in regards to my complaint ID [redacted].  I am not satisfied with the outcome.  I have already paid Capital One Financial Corporation the amount of $285.43 in by check on 5/6/2015.  I cut up my credit cards because they said my account was deactivated.  They are trying to reactivate my account and take the charges off and not return me my $285.43.  I am not willing to reopen my account.  I would like for them to mail me a check for the amount I had to pay in.  Thank you.
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 do not accept the offer made by the business because [redacted] did not specify whether or not the account is still opened as of today or the account has been closed. Another thing, if the balance is eliminated from the account?
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,

Dear Mr. [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 complaint, you state you never authorized your enrollment in the [redacted]’s Account Ease (KAE) plan. You ask for a full refund of all KAE fees previously assessed. KAE is an optional debt cancellation product that may pay the balance on your account in the event of an eligible loss. KAE can be offered as an optional product when a customer applies for a [redacted]’s Charge account or when using our automated phone system. You stated that you cancelled your KAE enrollment in April 2012. Regrettably, we do not have a record of this request. Your KAE enrollment has now been cancelled effective June 8, 2015, and on June 11, 2015, a refund of $21.22 was applied to your account. This refund covers all KAE product fees and associated interest charges that have billed to your account, and resulted in a credit balance of $17.83. You can apply this credit balance to your next transaction, request a refund check, or it will be automatically sent to you in the form of a credit balance refund check after 90 days of no activity. We appreciate your feedback on how to highlight KAE enrollment on our monthly billing statements and our website. Your feedback has been forwarded to the appropriate areas. Mr. [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 [redacted]’s Department Stores

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 have attempted to get them to stop sending me offers many times now.  I used their opt-out hotline starting in October of 2014, and in January I finally called them directly and spoke to two different agents who assured me they would escalate my problem and all communications would cease.  They have not ceased still.  I am still getting letters from Capital One.  I do not understand why this company cannot just erase all of my information from their system which, to my way of thinking, would eradicate any future offers from being sent out.  Really, I have dealt with receiving junk mail in the past and one phone call was enough to stop the solicitation.  That is not the case with Capital One however, and I am not the only person they are harassing by mail.  I do consider this to be harassment at this point as I have repeatedly tried to get them to end the unwanted solicitations.  I am a woman on disability - just what do I need with a credit card?  I can barely make ends meet as it is.  I am going to enclose what they offered me, which really was nothing at all.  As I said, I have been dealing with this company since last year and I am still to this day getting unwanted offers from them even after filing this complaint.  How hard can it possibly be to stop sending someone unwanted offers?  Why, after fighting with them for months now, are they continuing to send me unwanted offers and claiming they cannot expedite the process when the agent that I last spoke with assured me it would be expedited and stopped?  I am obviously being lied to here.
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 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 was fully aware that the APR rate of [redacted]% was the same for purchases and the cash advance on my account.  In the Capital One reply they state, themselves, that the cash advance and purchase balance were treated as one, then why were they listed separately on my statement? Also I couldn't find in their rules, where it states payments are applied when they listed them separately with the same APR?   I would sure appreciate that answer!I tried calling but the line is usually busy and I work 8-5 and their hours are 8:30-5.
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]. However, I don't agree with their reasoning of how and why this issue happened.
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 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]
First of all these people do not understand PTSD. I asked them to educate themselves by visiting the [redacted] It would at the very least give us some common ground. My care giver and I made payments on their WEB site until they Updated/change their site. From the update/change until present we could no long gain access to Make payments. Capital One response was to make the payment another way. (PTSD) makes that hard for me and when my care giver and I resolved the second method of payment as a call to make Payment, Capital One refused to take the Payments by phone, (I wasn't in Texas until January 2015). She could make payments with my card on the internet but not by voice. Is something WRONG with this picture? I am receiving treatment at Houston's VA Medical Center, and that was the reason for the move. The cost of living here is at least 20% higher than where I lived. There is no way to catch up on the payments that were REFUSED. I again request that the payments Missed be placed at the end of the loan and to stop pinging my credit report. I have tried to sell the Vehicle to a dealership but they won't touch it because of the late payment, being the value is exactly what's owed on it. I tried to move into a single home but the same thing applies. I wish I didn't have these problems but I'm working on them. I do my best with what I have but some hurdles take time to resolve.
Thank you.

[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. 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]