Capital One Financial Corporation

I do not accept thisWe were told by the customer service rep that the payment agreement would stop any repossession as long as we kept our side of the agreementThey are the ones that cancelled the agreement and took the car This should of never happened and they need to admit to it and make it right 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.] Thank you for sending me the letter to attempt to clarify what happened to my accountI partly consider your clarification correct about the fact that you should've not closed my account and consider it as an errorI also think that your apology is sincere What I cannot accept is the fact that you still ignore my driver license different from other [redacted] state residentsIn addition, your bank teller already verified my ID when opening the accountTo make matters more ridiculous, my other accounts, Capital with savings, checking, and brokerage accounts all used the same driver license for identification and never issued any concern or problem As a result, I cannot accept your letter because you don't still admit your negligence or mistakes from branch managerI hope that Capital One, as a corporate and one of the big banks in the States, showed the full extent of apology as I originally requestedCovering your employee's negligence or lame performance is not what I cannot accept Thank you [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 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 that Kohl’s failed to credit you for a returned Kohls.com orderYou are requesting that Kohl’s process the full credit for this order, as well as reimburse you for any assessed late fees and interestUpon review of your account, our records show that on April 30, 2015, you placed Kohls.com order # [redacted] Regrettably, when placing the order you input the incorrect shipping addressYou contacted our Kohls.com customer service on May 2, 2015, and requested we change the shipping informationWe followed up with you on the same day and informed you that we were unable to change the shipping information once the items have been sent, but that we would credit your account when we received the merchandise back to our warehouseDue to a system error, on June 3, 2015, a partial credit was processed to your account for $46.01, rather than the full amount of the order, $On July 27, 2015, the remaining $was credited back to your accountAs a courtesy, we have credited the $late fee that was assessed to your account on July 16, 2015, and the $in interest fees that were in relation to this charge and were assessed to your account on July 21, As of the date of this letter, your account has a remaining balance of $stemming from a previous balanceI have enclosed your recent statements for your reviewWe apologize for any inconvenience this situation may have causedMr [redacted] , I trust the information provided resolves your concernsIf you have any further questions, please do not hesitate to contact me directly at [redacted] Sincerely, [redacted] *** SrExecutive 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 [They changed the terms of my card product to where no increase option is available This looks bad in my credit history as my oldest account with the lowest limit They have new secured card produxts which does allow for an increase but they cannot transfer my account to I also have no option to add my own funds to increase the limit.] Regards, [redacted] ***

I called the consumer regarding the business response and was notified that the complaint has been resolved 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 resolvedIf 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] ***

Several years ago I signed up for a Capital One Secured credit cardWhen signing up I was told to make consecutive payments and then call to have my account converted to an unsecured card and receive my initial $deposit backAfter making payments I called and was told that no refund could be issued and secured credit cards could not be converted to unsecuredAlthough upset I let it go and continued growing my creditFast forward to months ago and my credit has been repairedIt was time to cancel the old secured credit cardIn September I paid the remaining balance and called to cancel my cardI was told that refunds don't get issued automatically so wait one week and then call back to have the check issuedI called back and was told a check was automatically issued the day after I cancelled my account and I should be receiving a check in the next couple daysUnfortunately, the check never arrivedSince then I have contacted Capitol One at least times asking for my refundEach time I am told they have emailed the department that handles that and to wait another 7-daysEach time, nothing arrivesLast Thursday I called and spoke to a repHe said he was going to personally resolve this issueHe emailed the department and said he would personally call me back on Sunday (because he was off Friday and Saturday)Sunday and Monday came and went without any contact from Capital OneWith my frustration growing and having already wasted countless hours on hold with Capital One I called again today (January 10, 2017)After minutes on hold I was told the rep (in the escalation department) could only email the department that handles the secured card and hope that someone would contact me in the next 24-hoursOn each call I have requested to be transferred to a supervisor or someone who can handle the issue and I have received no assistanceWhile the employees are polite they are either incapable or unwilling to assist a desperate and loyal customerI am frustrated and tired of dealing with Capital OneI will be cancelling my unsecured card with Capital One as well as my checking and savings accountI am forced into repeatedly calling Capital One and begging for my refundHow can I find a solution to this ridiculous problem

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 in a timely manner This is a urgent matter and I request Capital One restore both my personal credit card and my business credit card respective credit limits as quickly as possible as a small business owner since unexpected expenses can happen at anytime so it is my hope this is resolved quickly to restore both credit limits as they could be needed at anytime your understanding in this matter would be greatly appreciated Warmest Regards, Terry [redacted] ***Owner Of [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 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] @richmond.Revdex.com.org 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 will be consulting my attorney on this because its doesn't matter if the information is true or notI have an legit cause for being late and I will not accept NO at this time or any other timeI will contact him this afternoon and I will send his letter as soon as I get it 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.]I'm not happy with the answer I received They STILL haven't told me why its almost $400, at the time just being days past due My husband wasn't happy, neither was IWe were both in shock and REFUSE TO PAY THAT AMOUNT IF THEY CAN GIVE US AN ANSWER WHY THE PAYMENT WAS THAT HIGH, THAT'S GREAT IF NOT, WE'RE CONFUSED AND DEMAND ANSWERS Regards, [redacted] ***

I have been a loyal customer of capital one with my credit card and mortgage account's for a long time, I'm now very disappointed in there actions as what they have reported a late payment in October of 2016 to the credit bureaus, Each month I have made payments to them via calling them in, In September when I called my payment in the rep received my payment and did not disclose that payment was increased, ( as prior months I sent letters asking to escrow taxes in my payment, payment increase without proper notification)) after finding out they put that payment into a holding account and once I found out what was going on I made sure to call them and explain and make additional payments to get it resolved. when I called the rep in late November he expressed that if I faxed over a letter and explain the situation this late one time payment would get cleared up.. I have never been over 30 days late , Last few phone calls to them were extremely un professional and rude, especially when I talked to a rep in Texas named Susan. I will do my best to pass the word on how they treat there customers! I will make sure more complaint's on [redacted] , [redacted] and other BBB agencies read.

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] 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 contacted Capital one before my trip to tell them I was traveling...they told me I did not have to and I would have no problems...then the moment I tried to use my card it was blocked I was told the reason was that I was trying to use it internationally What good is a card if you can't use it when you need it and it cannot be used when you travel? Regards, [redacted]

Dear [redacted] I’m following up with you about your concerns submitted to the RevDex.com (BBB) about a payment you made using... your mobile device. I’m sorry that I was not able to reach you by phone.I understand from your complaint that you made a payment using your mobile device and the payment posted for lower than you intended. Our records show that this was not due to Capital One error. You stated that you paid the minimum payment of $ [redacted] on December 1, 2016, but the payment posted for $***. As a result of not receiving the full minimum payment, a past due fee of $ [redacted] was billed to your account. I verified that the past due fee you were chargedwas credited to your account on December 2, 2016. This credit appeared on your January 2017 statement. I have enclosed a copy of your December 2016 and January 2017 statement for your review.You are requesting that we credit you back for the extra payment you made on January 2, 2017, and I confirmed we only received one payment in the amount of $***. The amount you paid included your minimum payment, past due fee and interest. At this time, your account is currently in good standing. As a reminder, the mobile application has several payment amount options that include, minimum payment due, last payment posted, last statement balance, current balance and other amount. By selecting the minimum amount due or an amount greater than the minimum amount due, your account will remain in good standing.© 2017 Capital One. Capital One is a federally registered service mark. All rights reserved. If you have additional concerns, please give me a call at 800-955-1455, Monday-Friday from 8:30 a.m.-5:30 p.m. ET. When contacting me, please use [redacted] as the 6-digit PIN when prompted. My 7-digit extension: [redacted] . I’m glad to help any way I can.Sincerely,Kay K***, on behalf of Capital OneEnclosurescc: RevDex.com

Dear [redacted] This is in follow up to our call on January 4, 2017, about your concerns to the Revdex.com (Revdex.com) about the information provided regarding payments for your account, and lowering your montly paymentsWe’re sorry to hear about your personal hardship.We’ve confirmed no error occurred during a call recording from November 10, During the call the agent advised a payment for $ [redacted] would bring the account up to date and take care of the past due amount, and that a payment for $ [redacted] would be due by December 3, A payment for $ [redacted] was applied to your account for your November paymentHowever, because we did not receive your December payment, your account became past due.Thank you for your payment of $ [redacted] on January 4, Your account is current as of the date of this letter.We understand that this is a difficult time for you and we would like to assist you with lowering your monthly paymentsOn January 4, 2017, our Escalated Specialty Group (ESG) contacted you to offer payment assistanceYou declined the payment assistance that was offerred for this accountIf you wish to continue your request for payment assistance please call our Escalated Specialty Group at 804-787-7745, Monday-Friday from a.m.-p.mET, to discuss these optionsThey’ll be happy to assist you or you can contact me directly.Please be assured the Capital One adheres to all applicable laws and regulations concerning the management of our accounts.If you have additional questions, feel free to call me at 800-955-1455, Monday-Friday from a.m.-4:p.mPTWhen contacting me, please use [redacted] as the 6-digit phone PIN when promptedMy 7-digit extension is [redacted] I am glad to help any way I can.Sincerely,Janina C***, on behalf of Capital Onecc: Revdex.com© Capital OneCapital One is a federally registered service markAll rights reserved

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’ve asked to be contacted at a certain time during the week because of my schedule pertaining to my work and that was not met. 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 already realize the rules governing credit reporting, I have worked vigorously for the past two years to get my credit score where it is now. I also realize that if Capitol One sends me an offer in the mail and it states that it is an offer, then I take that as they have already looked at my credit report...soft inquiry, and then made the decision to send me a prequalified offer. I Certainly do not want to do business with Capitol One after this incident. 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 would like to have verified that I called on July 24, requesting a settlement (you say your records show that Who called? Me? [redacted] Source?) In fact, it was [redacted] Source who continued to call me and offer settlements without ever explaining the tax implication! I finally agreed when the amount seemed okay Why would I agree to a settlement that left a balance of $661.13, that is~ $over the $debt forgiveness for tax purposes - that doesn't make sense! I don't believe you are aware of how [redacted] Source, whom you placed my account with, dealt with me In addition, your response says that I received a call concerning the issuance of the 1099-C and it was read to me again on a second time on July 24, Hmmn, I believe that is in the future and I certainly haven't received that call yet(Nor have I ever received a call to explain that I am aware of) In fact, you couldn't even find a copy of the 1099-C you sent me and I had to have our tax preparer make a copy and fax it to youI don't understand how we paid over $on a $3,debt and received from you a 1099-C for ~ $3,987.00? My tax preparer has the only copy of the 1099-C at this moment so I'm not sure of the exact amount until Monday but need to send this now due to the Revdex.com's time limitations for my response My number is 707-357- I've not been able to locate your number or make it through the maze of your automated system Regards, [redacted]

I will look over all the statements, which I am glad they were sent to meI was having a hard time doing that I will also have them faxed by Friday so I can get this all squared away Thanks