Capital One Financial Corporation

Review: My account was restricted when I added authorized users to. Although when I called and asked what the procedure was and how it worked the CSR that I spoke to said all I needed to do was to provide SS# and Full name. Which I did. Now they are requiring picture of SS card as well as Passport ID or Drivers License. I provided this information for 3 people on my account the my daughter and sister other people are friends and families partner whom would be using the CC for car rental purposes while on a family vacation this weekend. I have called and even asked to remove anyone that would not provide the information as they did not feel comfortable giving me that information in fear that I would make them responsible in the future for this account. Since I told them that all I needed was the actual number and full name to add them which was the information that capital one CSR provided. I have spoken to a lot of CSR before I was transferred to James (manager) said that Capital One has the right to restrict or cancel my account at any time without reason or warning. That they do not have to give me any reason to do so either. Please enlighten me on this type of situation because I do not think that is how business is conducted.My complaint concerns: a Credit CardDesired Settlement: I would like the restriction to be removed from my account and if needed for them to remove whomever I can not provide SS card and ID for as they will not provide it since they are not comfortable doing so.

Business

Response:

Dear [redacted] This is a follow-up to our phone

conversation on March 29, 2016, regarding the concerns you submitted to the

Revdex.com (Revdex.com), about temporary restrictions placed on the

account. I apologize for any frustration this issue may have caused. As of the

date of this letter your account is no longer restricted and is available for

use. Rest assured that our fraud policies are in place to protect your account

and are not intended to inconvenience you in any way. We confirmed that you

spoke with one of our fraud agents on January 28, 2016. The information you

provided about the authorized users over the phone was sufficient at that time

and the restriction was removed that day. On March 16, 2016, our Fraud

Department had additional concerns relating to the authorized users and

proceeded to restrict the account. To clear the concerns, our Fraud Department

requested you provide us with documentation to confirm the identity for all of

the authorized users. On March 23, 2016, we received the documentation for

[redacted] and [redacted]. As we only received documentation for

these two authorized users we were unable to remove the restriction from your

account that day. On March 29, 2016, we processed your request to remove the

authorized users from this account as they did not want to provide the

documents we requested and we were able to lift the restriction. Please note

that to avoid being responsible for any additional charges for these

individuals; please be sure their cards are destroyed and you cancel any

automatic or recurring charges billed to the card. On April 1, 2016, we

submitted a request to the Consumer Reporting Agencies to remove this account

from the credit profiles of the authorized users that were removed from the

account. I have provided the reference numbers for these updates for your

records. Please allow up to 60 days for the CRAs to update their files. If you

have any questions or concerns, please give me a call at [redacted], Monday

through Friday from 8:30 a.m. to 5 p.m. PT. When contacting me, please be sure

to have the following six digit phone PIN number available: [redacted]. I am happy

to help in any way that I can.

CAPITAL ONE IS ONE COMPANY WHO HAS BEEN DESTROYING PEOPLE. They have NO concern for people. Some people have been unemployed for over two years. As I have and only working part time to put a roof over my head and food on the table. Today I go to buy some grocery's and find out that my checking account has been frozen for garnishment Capital One has take all of our money and for the next week we do not have food on the table! All credit Card Companies should be held liable for American's who are without food and give back to people who they are destroying! But they will never help people! Capital One only has one thing in mind and Yes it is to hurt people and destroy people!
Would I recommend Capital One as a hole to people? [redacted] NNNNNNOOOOOOOOOO!!!!!!!!!!!!
THANK YOU CAPITAL ONE YOU CAUSE MORE HARDSHIP ON TO ANOTHER FAMILY!

Capital one sucks after applying for 2 cards and me canceling one I used my PO Box they keep sending me letter and calling me on the phone about fraud after talking to these people 100 times and telling them that it is me and no one is using my information now they are telling me I must go into a bank and verify my identity. If someone was trying to use my information I would have informed they by now. After a month in still can't use my card and I still have to go through all these leap holes. I will never do business with capital one again I understand people steal identities but when I send you everything but a book about my life to you to verify who I am and I still can't use my card I feel as though I'm begin treated as a criminal and it's ridiculous and I will not stop until the restrictions are taken off my card I had to go through all of this and I won't stop I'm very disappointed with this sorry company.

I purchase over $4,000,000,000
A year from this CC!!!!
They [redacted]!!!!!!!!!!!

Review: I am TOO through with this [redacted] bank! I have since cut-up the card and have closed the acct. I know that my payment of this card is due on the 14th of EVERY month. I received an e-mail as a payment alert on 05/12 that stated my payment was not due until 05/24/13. I just happened to look at my acct last night 05/20/13, and it shows my acct as being -$12. I have been charged a fee of $25 for a late charge fee which now to say the very least, I am passed being PISSED! I called this it bank at 11:00 am today, 05/21/13. I talked to another it who hung-up on me. There was definitely a language barrier so he might have hung-up because of that. I informed him that I had cut the card up and was trying to explain the situation. I ALWAYS pay this bill on time. NOW, one system states the payment is due on the 24th and now, like I said, I am being charged over the limit fees for something that was NOT my fault. I want a FULL REFUND! It's bad enough that they charged me $59 for an annual fee on 03/20/13 that luckily I had funds in the acct for. Now, I am being charged $25 for a late fee that is definitely NOT correct! I know it better NOT show on my credit report! I HATE THIS BANK AND CAPITAL ONE which is a bank and credit card company. I will pay these BLOOD SUCKERS OFF and NEVER, read my quote" NEVER" apply, or use ANY OF THESE cards EVER again!Desired Settlement: I want the overdraft fee put BACK in my account and this BETTER NOT SHOW ON MY CREDIT REPORT! I will be going to the office of the [redacted] as well with this complaint. This is utterly ridiculous!

Business

Response:

Hello,

I have spoken to custoemer case have been resolved in customer favor.

Customer is satisfied with the resolution.

Review: Payment made in February that was not credited to my account but was electronically paid by my bank. I contacted them and faxed copy of bank statement and ach request for payment. Received communication that more information was needed. In March I sent a letter and copies of bank statement and ach request. I received letter dated April 5 that payment had been located and my account would be credited any charges would be credited. This has not happened and I am getting phone calls as many as 7 or 8 a day including on Sunday. I have continued to make my monthly payment during this dispute.Desired Settlement: I want my account credited for the $57.00, all fees credited and the phone calls to stop!

This is my phone number [redacted]

Business

Response:

We have responded to the cardmember by telephone on May 30, 2013. The matter has been resolved in the cardmembers favor.

Review: Contacted Capital One to reopen a dispute claim, was told I could not reopen the claim, even though I was told by a previous representative I could re-open the claim. Was disconnected 3 times while talking to a representative.Desired Settlement: Credit of 27.98 for disputed transaction. I have contacted the merchant and they can find no record of order being placed under my phone number or the number of the person who placed the order, thus they cannot refund the transaction. I do not have the cash receipt, the order was not received by me. The person who received the order did not hold on to the receipt, it was not anticipated there would be a need for it later.

Business

Response:

We were able to credit our customer’s account for $[redacted] so that she would not have to continue to try to resolve the issue with the merchant.

Review: Hello Revdex.com Team, My complaint involves Capital One telling me my account is delinquent when I have consistently made payments. I have paid August and September, but they are telling me that my payment for September did not count for September, and was in paid toward August. I paid 150 on September 2nd, 2013, not knowing that that payment would go toward an August amount. Since I had already paid August, I was paying early for my September due date. Sometime in October, I received a call from Capital One saying that I was late for my September Account, and I told them my payment was meant for September's due date. They waived the late fee. I then receive a call today on October 18th from Capital One and I spoke to two people who told me I still owed $25 for September's minimal amount. My payment made in September is for my September due date, so why should I be in collections already? I went ahead and paid the $25 dollars over the phone because I don't want it to be any more late/in collections on an amount that I had already made payment towards. I am completely frustrated and feel that Capital One is taking advantage of me as a consumer due to me falling in one of their billing cycle loopholes. Thanks, [redacted]Desired Settlement: I do not want this to affect my credit, I want them to adjust that payment made in September and put it towards my September 2013 due date, instead of August 2013 due date.

Business

Response:

We have responded to the cardmember by telephone on October 22, 2013. The matter has been resolved and a credit has been issued to the customer account.

Review: I had a Capital One Credit card which I cancelled several years ago and up until two months ago they have demanded 3 times the min amt due, I paid them $15 a month an paid on Oct 8 $15, this was not posted until Oct 28, I sent a letter to dispute this along with a statement from my bank, I never heard from them, I also contacted an [redacted] to report this Alert, [redacted]. My [redacted] report also stated I paid $15, howver this account could be negative to my credit report. I also applied for a retail credit card and Capital One turned me down.

Product_Or_Service: Credit

Account_Number: Credit cardDesired Settlement: DesiredSettlementID: Refund

I am sending them $60 for Dec 22 payment because I do not want them to charge me again for being late But this company should be investigated.

Business

Response:

This is a duplicate case to CFPB case we received. We will respond under the CFPB channel. Please remove.

Consumer

Response:

[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.]

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,

Review: I have closed my account and destroyed my credit card. Capital One does not give any access to my account number either online or on my statement. I would like to transfer my balance and thus lower my interest rate but I'm unable to do that without my account number, which capital one is refusing to provide me.Complaint concerns: a Credit CardDesired Settlement: I want Capital One to provide me my account number.

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com Case No: [redacted] Dear [redacted], This letter is in response to your complaint to the Revdex.com, on your account. We value your feedback and I’d like to share more information with you. As discussed, I have enclosed a printed copy of your January 2015 billing statement. In your complaint, and during our discussion, you mentioned that our Customer Service Internet Team was unable to provide you with your full account number in spite of the fact that your account is closed and your several requests. This information is correct; whether an account is closed or open and active, we cannot provide full account numbers and expiration date by phone, email, or mail. However, upon your request and verification of your identity, alternatively, we can provide a hard copy of the billing statement which includes the full account number. This information can be located at the bottom right hand side of the first page of your monthly billing statements. I appreciate you providing feedback about your recent experience when contacting our Customer Service Internet Team. Your feedback has been forwarded to the appropriate area for review. We take these matters seriously, because it helps us to identify an opportunity to strengthen our position on delivery of service. We have valued your business since June 2012 and I am sorry to hear that you recently closed the account. If you have questions or concerns, I can be reached Monday through Friday at [redacted] from 8:30 a.m. to 5 p.m. PT. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Consumer

Response:

[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.]

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,

Review: Good evening,

I am writing because I am disturbed that as a credit card holder since 2006, Capital One continues to decline credit limit increases for my primary card ending 2400. They have provided several reasons for the decline, most recent a charge off for another card I paid in full. In 2013, I was hit with over hundreds of dollars worth of medical bills which caused me to fall behind. As soon as I got back on track, I paid off the credit card but I always kept 2400 current. Much to my disappointment, I read post after post on [redacted] about people who have credit scores and bankruptcy be approved for credit limit increases after six months of having the card. Not once did I file for bankruptcy, I made sure I paid the bill once I had the money. I've called Capital One and spoke to two supervisors who said there is no one else that can help me but them and they only report to someone who checks their atattendance. Before I write to the CEO,I would to confirm if we can resolve this concern amicably.Complaint concerns: a Credit CardDesired Settlement: Credit limit increase to 3000.00.

Business

Response:

[redacted]Capital One Case: [redacted]Our customer was concerned about difficulties she was experiencing in trying to get acredit limit increase. Our research shows that she used our automated system to applyfor these increases in the past and was declined. We offered to manually review herinformation with our underwriters to see if we would be able to increase her credit limit.We were able to increase her credit limit to $1500.00. I advised this information to thecustomer who was satisfied with the outcome.

Consumer

Response:

I accept Capital One's resolution of my concern. [redacted]

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,

Review: Current Annual Fee on Credit Card is 9% of the credit limit. This is excessive. I attempted to have the fee waived and account cancelled OR fee reduced. Capital One refused. It is impossible to pay down debt with an excessive fee like this.Complaint concerns: a Credit CardDesired Settlement: I would like the Annual Fee waived or dropped. I would be happy to pay a reduced fee that is fair.

Business

Response:

Dear [redacted]I’m reaching out to you about the concern you sent to the Revdex.com (Revdex.com), aboutyour Annual Membership Fee (AMF). Your feedback is important to us and I have good news toshare.We understand your concern, so we credited your account $59.00 on April 14, 2015, I alsoremoved the AMF from your account terms.As you requested we have reinstated you’re your account and issued a new card, please allow7-10 business days for your new card to arrive.If you have additional questions, please feel free to call me at [redacted] Monday throughFriday from 10:30 a.m. to 7 p.m. PT. I am glad to help any way I can.Sincerely,[redacted]

Consumer

Response:

[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.]

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. Thank you very much!

Regards,

Review: I was recently approved for a capital one quick silver card but when I tried to enroll the card online I was unable to because capital one said I already have an existing account I was unable to access my account online because I did not remember my old credentials.I have previously opened up a an account with [redacted] in 2010 and I had a capital one platinum card in 2006 both of these accounts were closed out.I could not retrieve the username or password to set up this account.so I contacted the customer service chat I explained to Ally and let me repeat her name Allie the account specialist manager who I spent almost 2 hours online with back-and-forthI explained to her my situation that I did not have a phone at the time and was unable to call to activate the cardI provided her with my Social Security I verified the AA the account number on the back of the card the security code my date of birth but still she would not activate the card for me nor give me the credentials to my old account.she would continue to put me on hold back-and-forth every time I complain to her sheets a hold on the second and would tell me I'm sorry I can't do anything for you and this went back-and-forth for almost 2 hours.I told her that this was something that should've taken only five minutes and this was clearly capital one's fault she proceeded to tell me I needed to call the customer service number but explain to her that I couldn't because my phone was off.I ended up having to use the phone at my employerand.and it took me less than a minute to activate the card over the phone which was something that she should've been able to do for me with the information that I already provided her.but now because there's information that is why I cannot access my account to view my balance to manage the payments see really quite frustrating that capital one with two hours of my day tell me they can't do anythingDesired Settlement: I want capital one to provide me with the credentials to the old account if they cannot do that then I would like capital one to remove all the old information pertaining to the 2006 platinum credit card information they have on file and the [redacted] account so that I can re-register this card to manage the account to make payments you my balance

Business

Response:

Dear [redacted], We were recently notified by the Revdex.com (Revdex.com) of your concerns about not being able to access your account online and your request to activate your new card. I appreciate you taking the time to bring your concerns to our attention. I attempted to reach you at the phone number on file but I was unsuccessful. I have issued a $50.00 credit to your account as a courtesy. Our records show that you applied for this account on July 28, 2015. During the application process, you enrolled the account into our online banking creating a user name and password. You contacted us on August 4, 2015, by chat, requesting assistance with activating your new card and enrolling in online banking. You shared with us that you were receiving an error message when you attempted to enroll the account. During this chat, we shared with you that we are unable to assist you with enrolling your account into online banking and asked you to contact us. You shared with us that you were not able to contact us by phone because the service to your phone has been turned off. Unfortunately, we are unable to assist through chat with enrolling the account into online banking. During the same chat, you shared with us that you would like to activate your new card. I apologize that our chat representatives did not activate your card at that time. Instead, you were advised to contact us by phone. We apologize for any inconvenience this may have caused you. We have provided feedback to the appropriate area. We have confirmed that your card was successfully activated on August 4, 2015, through our automated system and transactions are posting to your account. Your account was also enrolled into online banking on August 8, 2015. If you have additional questions or concerns, please give me a call at 800-955-1455, Monday through Thursday, from 8:30 a.m. to 7 p.m. ET. When contacting me, please be sure to have the following six digit phone pin available: 858834. I’m glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Consumer

Response:

[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.]

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.

Review: This company has trouble posting on line and mobile payments. For the past 4 months I have made payments and they have been returned. I am still unable to make a payment after several phone calls even after confirming with my bank and a representative from the company. Every representative says they will call back but they do not. I contact them only to be put off another day. The account is considered delinquent and is affecting my credit.Desired Settlement: I would like the company to fix my credit report and my account.

Business

Response:

We were able to contact our customer by telephone regarding her complaint about her payments not processing to her account. Our research shows that our customer’s bank changed her account number in January 2013 and also sent us a Notification of Change (NOC) with this information. We advised our customer to contact her external bank regarding the changes to her bank account.

Review: On April 20, 2013I open a new account with [redacted]; I was told that my new account information will be arriving in the mail within the next 10 to 15 days. I never received any information.When I called [redacted] the account was closed as missing card loss or stolen, [redacted] issue a new account number and told me to wait 15 more days this period has passed; Today June 7, 2013 I called [redacted] I spoke with a supervisor name [redacted] I explained this is the third time Im calling to report that I have not receive my credit card information and again [redacted] wants me to continue to wait.[redacted] is putting my credit information at risk they claimed they mailed the information I waited for 6 weeks and Im wondering where my credit card and my bill statement.I have no access to my account information they refuse to provide me with my full account number over the phone, the only way to access my information is by providing my social security number my birthday I also have to answer a series of security questions.I also contacted Capital One Retail Services [redacted] Re: I have to go to the same procedure I provide my social security number provide my Date of birth and have to answer a series of security questions, this company is putting my credit information at risk I will like to file a formal complaint for negligence and for failure to comply with their customer service policy and procedure, as their customer I have the legal right to exercise fair customer service.Desired Settlement: DesiredSettlementID: Other (requires explanation)

[redacted] is a risky business.I want to have a credit card with a new number mail to my address via certify mail.

Business

Response:

We have responded to the cardmember by telephone on June 14, 2013. The matter has been resolved in the cardmembers favor.

Review: I have a credit card with Capital One [redacted]. I received this card in 2012 with a 0% introductory offer. I have had several other cards with 0% introductory offers over the years with different companies. With these other companies, a written statement was given to me to inform me of a change in the interest rate at the end of the introductory period. Some companies even include a date on each statement to inform you when the introductory rate expires and what the new purchase APR will be. Capital One does not follow through on this. In fact, I tried numerous times to find the expiration date of the introductory rate and the new rate without any success. I was startled to find a large interest charge on my account in July. I immediately contacted Capital One customer support and explained the issue in detail. However, no assistance was offered. I strongly feel that this practice is unethical if not illegal. Moreover, the adjusted interest rate is impossible to rationalize. I have excellent credit and so applying an interest rate above 20% is nothing less than stealing. This issue is putting a huge burden on my family' financial situation and Capital One has done nothing to provide assistance or provide a viable explanation for these practices.Desired Settlement: I strongly believe that the Capital One should extend the introductory rate until a formal document stating the change in the rate is provided. Moreover, I believe that the interest rate needs to be adjusted to better represent my current credit situation.

Business

Response:

We have responded to the cardmember by telephone on August 29, 2013 and informed him that this matter is resolved. Unfortunately, we were unable to honor his request. We have also advised [redacted] that his account has been issued credits which he will see in 1 to 2 billing cycles.

Review: I applied for a secured [redacted] with capital one back in July 2012, Was told by the representative by opening this card and making good payments for 6 months, will definitely be offered an UNSECURED credit card or credit line increase. I have had the card for over 12 months now and still no approvals or offers, only a whole bunch of unknown fees on this secured capital one card that I have now. Each time I reach out to capital one, I am told that there is nothing they can do for me and hangs up on me. NO help what so ever. II have been making good payments with the secured card that I have now & I have applied for other credit cards & loans, and still nothing. I will be starting college soon and will not get approved for ANYTHING. false advertisement of the capital one secured card. I am very upset.Desired Settlement: Approve me for an UNSECURED card & give me the credit that I derserve.

Business

Response:

Matter is considered resolved. I called and spoke directly to customer on 08/28/2013. I provided customer with findings: Customer does not have the option to go from Secured to Unsecured, however she can apply for a new card through [redacted]. Customer was given the department contact information for further assistance. Matter is resolved and closed.

Review: I was a cosigner on a capital one credit card with my husband, and the credit card was included in a chapter 13 bankruptcy repayment plan. Capital One is aware of this, but they will not update my credit because they said their policy is to do this at the conclusion of bankruptcy(which is in 5 years). I have asked multiple times for this debt to be reflected in the bankruptcy because my bankruptcy was confirmed last year with the US bankruptcy court and all of our creditors.Desired Settlement: I want my credit and my husbands credit updated because it is currently showing a delinquent balance of $1227.

Business

Response:

I was able to speak to the customer and honor her request. I was also able to provide her with information regarding Bankruptcy reporting. The customer was satisfied with the resolution.

Review: I have been trying to close out my credit card account with Capital One since the 1st week of July. The balance was paid off & the account was supposed to be closed but every billing cycle generates a new statement where miscellaneous charges are being added or processed on the account. The last was 2 charges in August & September from a business we do business with that had already been given a new account # & have told us they no longer have the Capital account info yet Capital One keeps processing the charge. I called them on 10/5 I was told there was a balance of $12.90 from this vendor + a $12 past due fee + a 0.50 cent interest charge. I paid the $12.90 charge & the $12.50 in fees were waived. I was told a "card monitor" would be put on the account so that no future charges could go through. However when I checked the account again today I found a charge for $4.12 on the account. When I called today I was told by [redacted] that it was an unpaid balance from in August as the charge I'd paid on 10/5 was for the charge from September. Yet when I spoke to [redacted] on 10/5 there was no mention of 2 charges for $12.90 & the account was certainly not showing a balance of $25.80 -it was only showing a balance of $12.90 + $12 + 0.50. So somehow between 10/5 & 10/13 this supposed additional $12.90 charge from August mysteriously showed up, then a credit came through from another business for $8.78 (again after the account was supposedly frozen so no further transactions could process) leaving a balance of $4.12 which I've now paid again & assured again that no further charges are supposed to come through on the account. I've been told the account won't close until a billing cycle ends with a zero balance but I keep getting payments billed to an account that supposed to be "frozen" or on "credit monitor" so that no future transactions can process on it by a company that no longer has that credit card info which makes it difficult to get to a zero balance to close the account.Desired Settlement: I want my account CLOSED!

Business

Response:

We closed the customer's account and mailed a confirmation letter. We also put a block on the reoccurring charge.

Review: I had a credit card with [redacted]. They charged me my yearly fee in May 2013. They were purchased by Capital One. They moved my acct over to Capital one and it went smoothly until Capital One is now trying to charge me a yearly fee again in October 2013.Desired Settlement: All I want is them to aknowledge the fact that it is a bogus charge. the fact that they tried to do this should be illegal and I want it refunded as well as any over draft fees stemming from it.

Business

Response:

Capital One® Capital One® [redacted]

November 1, 2013

Capital One Case: [redacted]

Revdex.com Case: [redacted]

Dear [redacted],

I’m reaching out to you about your complaint to the Revdex.com. We would like to try to help you with this.

Before I can look into your concerns, I need to verify your information for security reasons. Please give me a call at [redacted] and provide me with the following:

Your name

Your current address

The last 10 digits of your account number

The last four digits of your Social Security Number

Your date of birth

If you prefer, you may fax this information to [redacted] or mail it to the above address.

Once I receive this information from you, I can check into this. If you have additional questions, please call me at [redacted], Monday through Friday, from 11:30 a.m. to 8 p.m. PT. I’m glad to help any way I can.

Sincerely,

Capital One

cc: Revdex.com Case

© 2013 Capital One. Capital One is a federally registered service mark. All rights reserved.