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.Capital One has offered me NO RESOLUTIONThey basically told me they don't care about me or my businessTHEY ARE TOO BIG TO CARE! I will never do business with them againNo matter how low my balance is on my credit cards and even when I pay them off, they still refuse to lower my interest rate Regards, [redacted]

The fraud protection on my credit card is a joke! Someone was able to change all the information on my account, without having to verify they were me, schedule a payment, said payment cost me over dollars in overdraft fees that was not my fault, was completely capitol one's fault! They refuse to pay the fees that their negligence in keeping my account safe from fraud cost me!

Re: Account ending in *** Capital One Case: [redacted] Revdex.com No: [redacted] Dear [redacted] ***, This letter is a follow up to our phone conversation on February 10, I am taking this opportunity to apologize for the interaction you experienced when you contacted us to make a paymentI want to assure you that we are committed to providing superior quality service to all of our customersI regret this was not the case with your concernAs an established leader in the credit card industry, we take our commitment to servicing your credit needs seriously and make every effort to honor that commitmentPlease know that your feedback was instrumental in helping us to identify an opportunity to strengthen our position on delivery of serviceYou explained to me that the $payment, which you state was not authorized, was returned to your bank account later on the same day that it had been madeWe appreciate any occasion to interact with our customers and look forward to maintaining a positive and successful relationshipThank you for your attention and if I may be of further service, please contact me at [redacted] I can be reached Monday through Friday, from a.mto p.mETSincerely, [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 [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear belowIt has been more than 5-business days and yet I have no check in handTracking information would be helpful if it indeed has been sent outThere has to be some way to verify it has been issued and should be sent in a more timely mannerAt this point is has been beyond a reasonable time frame Regards, [redacted]

Capital One® PO Box Richmond, VA 23285- December 30, [redacted] [redacted] ** [redacted] *** [redacted] *** Re: Account ending in Capital One Case: [redacted] Revdex.com case number: [redacted] Dear [redacted] I’m reaching out to you about information we’ve reported to the [redacted] Agencies, like [redacted] and [redacted] We understand you would like us to modify the information we reported about your accountOur records show that your account had a balance of $ [redacted] for your December statement, and we’ve confirmed that we’re reporting accurate informationFor this reason, we are unable to send an update to modify your credit fileFor 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 a.m.-p.mETWhen contacting me, please use [redacted] as the 6-digit PIN when promptedMy 7-digit extension is [redacted] I’m glad to help any way I canSincerely, Amanda *T***, on behalf of Capital One cc: Revdex.com © Capital OneCapital One is a federally registered service markAll rights reserved

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 Account must remain open and it will remain openIt will take me several months to transfer everything againI already went into a lot of legwork to make this my only bank of choice and now you are simply closing the doors to me because you have poor resources to manage the moneyI am also going to be seeking legal advice over this as no bank has done that before because of payment rejections 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 closedAnother thing, if the balance is eliminated from the 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 This does not address the harm done to my credit, nor the absolute lack of respect afforded to hundreds, if not thousands, of their customers - including meThere is no reason to close a decade-old account without any warningThis action not only affects my daily access to credit, but will affect me for years to come since it will remain on my credit reportA simple web search will show that this has been a common complaint for years, yet this company shows no interest in rectifying the situation Regards, [redacted] ***

Dear [redacted] , I’m reaching out to you about your concerns to the Revdex.com (Revdex.com) regarding a fraudulent account I’m sorry for the frustration that you may have experienced regarding this matter, and I would like to share my findings with youOur records indicate that the account was opened on March 30, 2012, after we received an online applicationYour name, date of birth, and Social Security number matches the information listed for you with the Consumer Reporting AgenciesThe account was established with the mailing address of [redacted] ***, and an email address of [redacted] This information was been validated to you through public recordsWe mailed statements and other notices to this address and have no record of having received any returned mail through the U.SPostal ServiceI have enclosed copies of your April through November billing statements for your reviewThe credit card was mailed to the address in our system of recordWe show that the card was received and activated on April 5, 2012, and the Personal Identification Number (PIN) was changedThat same day a cash advance for $was made at the Ladysmith Citgo Automated Teller Machine (ATM)On May 3, 2012, we received a phone call from you stating the first billing statement had been received, but the credit card had not arrivedWe advised that we need verification documents, you had the option to take them to a local Capital One branch, or the documents could be faxedYou requested that we finish the conversation with your boyfriend and we advised him the same informationThe address was changed on the October statement to [redacted] , [redacted] ***, and this address was also validated to you through public recordsThe account charged off due to delinquency on November 28, 2012, with a balance of $606.78, and was sold to [redacted] (PRA)When this happened, PRA became the legal owner of the accountFor further assistance, please contact PRA directly at 800-772-© Capital OneCapital One is a federally registered service markAll rights reservedWe do not show where you had previously contacted us to report the account as fraudWe are unable to accept this claim at this time until you provide us with a police report naming your ex-boyfriend as the person who applied for the credit card without your authorizationOnce we receive this information, we can review this claim againPlease note that Capital One complies with all applicable laws and regulations while servicing and collecting on our credit card accountsPlease be reassured that we keep account information confidential and secure, and we do not disclose account information to anyone other than the account holderIf you have additional questions or concerns, please give me a call at [redacted] , Monday through Friday from a.mto 4:p.mPTWhen contacting me, please be sure to have the following six digit phone PIN available: [redacted] I’m glad to help any way I canSincerely, [redacted] , on behalf of Capital One

CAPITAL ONE, is taking advantage of the American public This company provides credit opportunities and then charges outrages monthly finance feesI have paid close to $over months for a balance less than $ They charge me $45+ every month just for carrying a balance This is excessiveTheir auto finance company is worse I financed a car two years ago with Capital One and they don't tell you that you cannot refinance with them within a year, and no other finance company will refinance until a certain amount is paid of your loan, so the consumer is stuck with a HIGH INTEREST rate and there is NOTHING you can do but pay themNo one will re-finance me and I am paying a ridiculous APR UnbelievableThis company is taking of advantage of consumers with less than perfect credit and they know itWhen you call them, they are not helpful at allThey just want your money!! As soon as I get rid of all of my Capital One loans, I will NEVER do business with these people again

Dear Ms [redacted] We have reviewed the situation you explained to the Revdex.com and want to address your concernsWe appreciate your feedback regarding your recent experiences, and have forwarded it to the appropriate manager for reviewFeedback is always important to us, and helps us identify opportunities to improveI attempted to contact you by telephone to discuss your concerns, but was unable to speak with youI hope that this response addresses your concernsHowever, if you have additional questions after reviewing our response, please feel free to contact me at the telephone number provided belowWe are sorry to hear about the circumstances which have caused your account to fall behindUpon receipt of your complaint we completed a thorough investigation into your concerns, and confirmed you were provided with all available options for which your account is currently eligibleAt this time your account is not eligible for an extensionWhile it is our wish to assist every customer in some instances we are unable to do soAs of the date of this letter, your account is days past due for your October 2016, November and December paymentsWe would encourage you to contact our Customer Service Department at (800) 946-to make arrangementsIf you have questions regarding this response, you may contact me directly at [redacted] *** Sincerely, Dustin D*** Office of the President, Financial Services Capital One

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 mailThey have not resolved the issue and I am still wanting my complaint to stand 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 want to thank capital one for its quick responseThe fact that they said documentation was sent and never received by me more than day later, has lead me to file a formal ROI (REQUEST FOR INVESGATION) with the [redacted] As I have not received these documents I request that they now be sent to meSecond I was informed by a capital one rep that the other two incidents and I do not have proofAgain as it was a company repthat advised me I suggest that the information is in there possession

[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 meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf 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.] 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 meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: [redacted] Regards, [redacted] ***

Dear [redacted] We recently spoke to you about a Revdex.com (Revdex.com) complaint escalated to our Executive Response Committee (ERC)We wanted to provide you with an update in writingPlease see below for a summary of your complaint and how we responded to it: Summary of Complaint: The referred complaint was in regards of a dispute with [redacted] ; you were charged an amount of $*** which was not part of the arrangement you had with themYou requested to have your card canceled, however, the agent you spoke to omitted to cancel itTherefore, you were charged an additional amount of $ [redacted] by the merchantOur Response to Your Complaint: During our conversation, we explained the [redacted] dispute processYou were transferred to our Fraud department who disputed the transactions and charged back the amount to the merchantAs a gesture of goodwill, we have applied a credit of $ [redacted] to your accountPlease accept our most sincere apologies for the agent’s error and for the overall experienceIf you’re not satisfied with our response to your complaint, you can escalate it to the Capital One [redacted] The Capital One [redacted] can be reached in the following ways: Email: [redacted] Mail: [redacted] ** [redacted] *** Toll-free Fax: [redacted] Please note that if days have passed since your complaint was received by the ERC (as noted above), you can also escalate it directly to the [redacted] for Banking Services and Investments (OBSI)The OBSI can be reached the following ways: Capital One Bank ( [redacted] Branch) has a complaint resolution process in placePlease visit www.capitalone.ca/concerns for detailsIf your concerns are regarding our compliance with federal consumer protection law, public commitment, or industry codes of conduct, you can contact the Financial Consumer Agency of Canada at its office at [redacted] ***, or through its website at www.fcac-acfc.gc.ca.© Capital One Bank [redacted] Branch)Capital One is a registered trademarkAll trademarks used herein are owned by the respective entitiesAll rights reserved.Capital One Bank ( [redacted] Branch) [redacted] Toll-free Telephone: [redacted] TTY Telephone: [redacted] Email: o [redacted] @obsi.ca Mail: [redacted] [redacted] *** Toll-free Fax: [redacted] Thanks for contacting Capital One®Sincerely, KS*** Executive Response Committee Capital One Bank (Canada Branch)

Dear [redacted] You recently contacted the Revdex.com about a disputed charge from Sea Mist Resort for $ [redacted] , billed to your account on September 9, We understand you’d like us to permanently credit your account for this chargeOur goal is to provide the highest level of quality service to all of our customersWe’re sorry to hear that the service you received did not meet your expectationsWe took another look, and our research confirmed that the actions taken on your dispute were correctIn this instance, we are declining your request for a permanent creditHere’s a summary of the actions we took during the dispute: After receiving your dispute, we issued temporary credit on September 22, 2016, to your account for the disputed transactionWe contacted the merchant and they responded to the dispute on October 25, Based on the information we received, the merchant’s decision not to honor your refund request appears consistent with the terms and conditions the merchant makes available to consumers in connection with the purchase at issueAs a result, we re-billed the disputed transactionIt did appear on your November billing statementTo help with your records, we enclosed the following: x A copy of the merchant’s policy that’s available to customers x A copy of the letters we sent about your dispute x Your November billing statement showing the temporary credits and rebilled transactions During your call with us, we advised you we would need proof of the cash payment to further assist you, and we will not able to contact the merchant’s account department since all the required documents were already provided by the merchant© Capital OneCapital One is a federally registered service markAll rights reserved.If you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from 8:a.m.-p.mPTWhen contacting me, please use [redacted] as the 6-digit PIN when promptedMy 7-digit extension is [redacted] I’m glad to help any way I canSincerely,Minna S***, on behalf of Capital One Enclosurescc: Revdex.com

Our customer is concerned with three cash advance fees that were billed to his accountThe customer states that it was not previously disclosed to him that there would be a cash advance fee associated with an ATM cash withdrawalI spoke to the customer on September 24, 2014, and advised that the cash advance fee is disclosed in the terms and conditions of the accountI explained that I would waive the cash advance fees totaling $as a one time courtesy and advised that the cash advance fee is 3% or $10.00, whichever is greaterAlso, I informed the customer that cash advance transactions are subject to cash advance interest charges, which is a variable rate, currently 21.90%The customer understoodHe was satisfied with the resolution

Dear [redacted] , Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of Kohl’s for resolutionWhile Kohl’s has an established partnership with Capital One N.A., we provide the in-house servicing for your Kohl’s Charge accountAs it is my intent to provide our valued customers with quality service, I appreciate the opportunity to review and resolve your concernsIn your complaint, you state you did not receive your March statement, which subsequently led to you missing your April due date and a late fee billing your accountYou ask that we refund the late fee based on this informationAs a courtesy to you, we have credited the $late fee back to your accountThis credit resulted in a credit balance in the amount of $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 days of no new activityOur records show that your March statement showed a balance of $54.11, with a minimum of $due by April 12, Regrettably, we did not receive your payment by the due date, resulting in the assessment of a $late fee to your accountThis fee appeared on your April billing statement, which reflected a balance of $and a minimum of $due by May 12, On April 22, 2015, we received your payment of $80.17, bringing your account balance to zeroI 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 addressEven though the assessment of the late fee is in accordance with your Cardholder Agreement with us, we have refunded the fee as explained aboveI trust the information provided resolves your concernsIf you have any further questions, please do not hesitate to contact me directly at 262-704-Sincerely, [redacted] *** SrExecutive Correspondence Advisor Office of the President Kohl’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 [Provide details of why you are not satisfied with this resolution.] Regards, [redacted] I absolutely do not accept the offer made by the business to resolve this complaintThis complaint hasn't been resolved as you read their statement hasn't even had an offer on their behalf to the consumerThey haven't even stated a legitamate reason for their decision making process to you or the consumerThey haven't even taken any consideration that I previously had an account with their company years ago and did very well in paying off their credit card in the late 1990's before I payed and close this accountThen, Capital One hasn't even stated how much longer are they going to keep those negatives on my credit reportCapital One has some ridiculous policy which is "They don't remove negatives" at least give the consumer a break especially if they did finally payed off and closed both accounts years ago What kind of business is this, nothing sounds right at all Sincerely, [redacted]