Capital One Financial Corporation

Dear [redacted] I’m reaching out to you about your concerns submitted to the Revdex.com (Revdex.com) regarding the closure of your account.  font-size: 11px;">After conducting a review of your account, we made the decision to suspend and close your account on December 2, 2016. We appreciate the additional information you’ve provided; however, after further review, I can confirm that our decision will not be reversed. Please be assured that the decision to suspend and 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 enclosed. Capital One complies with all applicable state and federal regulations. Once an account closed, any rewards that were not redeemed are forfeited and this decision can’t be reversed. If you have any questions or concerns, please give me a call at 800-955-1455, Monday-Friday from 8:30 a.m.-5 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,Marie M[redacted], on behalf of Capital One Enclosure cc: Revdex.com

Dear [redacted]
I’m reaching out to you regarding your concern to the Revdex.com (Revdex.com) about the closing of your account.After conducting a review of your account, we...

made the decision to close your account on December 19, 2016. Unfortunately, we aren’t able to reopen your account due to the returned check history on your account.On December 19, 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 regulationsIf 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] 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 OneEnclosurescc: Revdex.com

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.There was no contact from Capital One at any point regarding the issues they are stating and I was given no opportunity to resolve the issues.  At no point did Capital One inform me of an issue except for when they closed the account, without any warning or contact.
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]

I been capital one customer for almost two years and I'm am a nursing student right now I have some fees on my account that I would like to take care off

[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]

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.
,The issue isn't that you have never reported me, the issue is that you have reported me since Oct 2014. That was confirmed by [redacted]. They have stated that the creditor which is you, Capital One needs to contact them to correct the problem.I re-ran my credit report and it still has not been fixed. I can not coordinate your business dealing with [redacted], I have been told by Capital One several times that you report each month.However, [redacted] is stating that is not being done. Someone needs to physically make a phone call to [redacted] and get this problem fixed. Its unfair that how far this has to go to get resolved.
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.
You have acknowledged my complaint, but have done nothing to resolve it. The $2000 credit limit increase you are referencing is one that I was entitled to for making my first 5 payments on time for the [redacted] card, and does not reflect anything having to do with the card combination process.
It's very simple. Capital one is offering a service, denying me that service, and refusing to explain why I'm being denied. The explanation of all the information being contained within the app is unacceptable.  The service is being advertised with the only caveats being publicly available. Unless all reasons for possible denial are made publicly available upon request, this falls into the realm of false advertisement. 
Regards,
[redacted]

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

Hello,Please see attached Judgment release document. We apologize for not attaching this previously.Sincerely,Erika D[redacted], on behalf of Capital One

I have received an invitation from Capital One to apply for a [redacted]. I have a good credit ([redacted]) and applied on their website which supposed to give me an answer in 60 seconds. Since I have a fraud security alert on my credit report, their system didn't give me any answer online and notified me that they will contact me later. They never contacted me and never sent me any mails for 20 days. Then I got an email from them that they couldn't obtain my phone number so they couldn't approve me. I called the 800 number and a representative gave me the Capital One Fraud department. The phone number takes you directly to a voice mail which asks you to leave a message and somebody will call you within 24-48 hours. I have called them 4 times in the span of 20 days but nobody called me back. My problem is not to get the credit card from Capital One, my problem is that they have got my credit report ([redacted]) so I've got a negative point already and then they even didn't deny me. They are looking for my phone number and I can't give it to them because their fraud alert department doesn't answer their calls. This complaint is mainly to report Capital One is an irresponsible and incompetent company who doesn't value their client relationship.

[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 information we’ve reported to the [redacted] Agencies, like [redacted] and [redacted]  11px;">We understand you would like us to modify the information we reported about your account. Our records show that your account had a balance of $[redacted] for your December 2016 statement, and we’ve confirmed that we’re reporting accurate information. For this reason, we are unable to send an update to modify your credit file. For more information about how this reporting may affect your credit profile, please contact the agencies directly. [redacted] 
[redacted] 
[redacted] 
[redacted] 
[redacted] 
[redacted] 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] as the 6-digit PIN when prompted. My 7-digit extension is [redacted]. I’m glad to help any way I can. Sincerely, Amanda *. T[redacted], on behalf of Capital One cc: Revdex.com © 2016 Capital One. Capital One is a federally registered service mark. All rights reserved.

I recently opened an account with Capital One. My account was locked due to me access the website while traveling for work. When I called in to the Customer Service Center, they advised me that I needed to talked to the security team. I understand that point and have no issue with it. My problem is that I've had to calling 4 different times and all I get is a voicemail box for the security team and never get a call back. At this point I asked the customer service supervisor to close the account. She told me that I would have to have the security team help with that. So now I'm stuck with an open account that I can't access, use, or close...
Thank You 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 but the point of this complaint was the fact that the lady held me up on the computer for two hours and she kept putting me on holdWhen  I was able to gain access to a telephone all I had to do was over the automated system which required the same questions that the lady in chat had asked from me. 
[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], Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of...

Kohl’s for resolution. While Kohl’s has an established partnership with Capital One N.A., we provide the in-house servicing for your Kohl’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 did not receive your March 2015 statement, which subsequently led to you missing your April 2015 due date and a late fee billing your account. You ask that we refund the late fee based on this information. As a courtesy to you, we have credited the $25.00 late fee back to your account. This credit resulted in a credit balance in the amount of $25.00. You can use this credit against your next purchase, contact us directly to have a check mailed to you, or a check will be automatically issued to you if the credit balance remains after 90 days of no new activity. Our records show that your March 2015 statement showed a balance of $54.11, with a minimum of $25.00 due by April 12, 2015. Regrettably, we did not receive your payment by the due date, resulting in the assessment of a $25.00 late fee to your account. This fee appeared on your April 2015 billing statement, which reflected a balance of $80.17 and a minimum of $51.00 due by May 12, 2015. On April 22, 2015, we received your payment of $80.17, bringing your account balance to zero. I have confirmed that you registered for e-statements on November 17, 2013, with your email address listed as [redacted]. We have not received any returned statements from this email address. Even though the assessment of the late fee is in accordance with your Cardholder Agreement with us, we have refunded the fee as explained above. I trust the information provided resolves your concerns. If you have any further questions, please do not hesitate to contact me directly at 262-704-9413. Sincerely, [redacted] Sr. Executive Correspondence Advisor Office of the President Kohl’s Department Stores

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.]
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] 
You recently contacted the Revdex.com (Revdex.com) about a disputed charge from [redacted] for $[redacted], billed to your account on October 12, 2016. We understand you’d like us to permanently credit your account for this charge. We took...

another look, and our research confirmed that the actions taken on your dispute were correct. However, we made the decision to permanently credit your account for the amount of the disputed transaction. The credit will appear on your January 2017 billing statement. To help with your records, we enclosed the following: x A copy of the letters we sent about your dispute x Your October 2016 billing statement showing the temporary credits When we spoke on January 6, 2017, you requested to have your Annual Percentage Rate (APR) lowered on both of your accounts. After reviewing your accounts, there was an offer to lower APR to [redacted]% ([redacted] + Quarterly Prime) variable, for seven months. You accepted the offer, for both accounts, and you’ll see this change reflected within 1-2 billing statements. Per IRS regulations, we may issue a 1099 and send you a copy. If you receive one, please consult your tax advisor and the instructions on the 1099 form for more information on how this may impact you. © 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 [redacted], 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 in any way that I can. Sincerely,Nicholas P[redacted], on behalf of Capital One