Capital One Financial Corporation

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 Capital One stated THEY sent a letter to [redacted] dated for November 13, to address my concernNo letter was sent to me from Capital One or [redacted] IF they did, I request a copy that was sent to [redacted] They are the ORIGINAL CREDITOR so the information that I sent was certified and they should have payment history, date of delinquency, and all the information that I requested from THEM They stated they could help me with information on the account dated before May 17, THAT was what I was asking for, again, in the certified letter sent to Capital One Again, if the information is not verifiable, please have Capital One and [redacted] removed the information from all three credit bureaus [redacted] , [redacted] , and [redacted] Regards, [redacted]

Dear [redacted] , I am responding to the complaint we received from the Revdex.com (Revdex.com) about your credit card accountI am sorry for any inconvenience this matter may have causedWe investigated the transaction that you reported as fraudulent and, as a courtesy, we have credited the full amount of $to your accountThis amount includes the disputed transaction of $46.89, which posted to the account on August 24, 2014, past dues fees of $and interest of $The current balance on your account is $As you requested during a phone call with our Fraud agent, we have closed your accountThe account is being reported to the Consumer Reporting Agencies (CRAs) as closed by the consumer with a $balancePlease allow up to days for this update to be reflected in your credit filesWe have confirmed through public records that you are the primary cardholder for this account, but the name, address and phone number on your complaint do not match the name, address and phone number on record for the accountIf you wish account records to reflect the name and address on your complaint, please call me to confirm your new contact information so we can make the necessary changesYou may reach me at [redacted] , Monday through Friday from 8:a.mto p.mETI’m glad to help any way I canSincerely, [redacted] , on behalf of Capital One

Revdex.com: I have reviewed the offer made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI will consider this complaint 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 The issue here is not whether the fees were valid or notThe fees are by their very nature invalid as [redacted] has requested that the overdraft service be removed from the account at multiple occasions during our conversations with the representatives from capital oneThis is why the fees need to be reversedCustomer had requested for the service to be turned off but was misinformed of the inability to do so Regards, [redacted]

Opened up a spark business account months ago at capital bank in glen allen Virginia, To date I still have no working PIN number and the first time I actually go to use the card it gets declined so I call the number on the back and am prodded to go through different surveys on vacations to my age to auto insurance , if you don't answer the system hangs up on you so now I'm am at the branch waiting as usual as I have every time I've tried to get a PIN number straight , But person working nobody else's knows anythingI assure you if you have a business this is the last place you want to bank!

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 This information concerning the repossession was requested on January 3, Under federal rule Capital One had days from the receipt of the notice to provide proof of their claimAny documentation provided at this point comes too little too late They have already violated [redacted] and [redacted] rules If they are going to adhere to the rules they should cease any collection activity on account including reporting to the credit bureaus I am making every effort to resolve this matter Regards, [redacted] ***

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!

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 Because I have already sent in my ssn card twice and my account is still locked they keep having me send in documents over and over and saying they cant read it this company is also bogus and treat their customers like criminals and they lie.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 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 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] ***

I have always had great service from Capital One regarding my credit card Like any credit card company, the rates are high and they have no late payment grace period, but everything else has been good I applaud their fraud watching...they have actually denied a couple of my legitimate online big dollar amount purchases that appeared like they could have been bogus charges because they weren't common charges, but Capital One contacted me in less than a minute from denial to verify the potential fraud and we got it sorted out and my purchase made within minutes of my first attemptVery minimal inconvenience for the knowledge that they are watching for potential fraud charges so proactively I have also had to do a couple of charge disputes--both over $1,and Capital One has been great Yes it's a little bit of a hassle to answer all the questions so they have the necessary information to pursue the claim, but I appreciate them getting all the necessary information up front so I don't need to continuously provide information or duplicate information to them, and they have always immediately credited my card the disputed amount so I don't have to pay the amount and wait for reimbursement

Capital one credit customer service sucksThe supervisor was so rude and insensitive to my issueSupervisor Daniel ( ID NUMBER OX374) was the most careless individual I ever spoken toI stayed to him that my car broke down on the side of the road with my baby and I and the only source of payment I have to get my car towed is my capital one credit card that only had dollars availableI called customer service and spoke to mrDaniel in which I asked him to allow dollars to my credit card to get my car towed and for transportationMrDaniel states to me that nothing can be done and I should try to flag someone down to help me on the side of the road or make some phone calls because he can't help meI stated is this the way you guys treat loyal members of the companyMrDaniel stated I can't do anything for youAfter that I stated to him that I'm canceling my credit card with you guysHe was quick and anxious to get me to the cancellation departmentI told him I'm reporting him and his nasty attitude for the no help for my child and myself in his situationHe jus hung up then phone

[ Revdex.com: I have reviewed the offer made by the business in reference to complaint ID 11451805, 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] I’m reaching out to you regarding your concern to the Revdex.com (Revdex.com) about the closing of your account 11px;">After conducting a review of your account, we made the decision to close your account on December 22, Unfortunately, we aren’t able to reopen your account due to the returned check history on your accountOn December 22, 2016, we mailed you a letter notifying you of the closing of your accountIn case it’s helpful, I have enclosed the letter for your reviewPlease be assured that the decision to close your account was based on business concerns that did not relate to your credit worthinessWe apologize for any frustration this action may causeIf you have any questions regarding our account closing authority, please refer to your Customer Agreement, a copy of which is also enclosedCapital One complies with all applicable state and federal regulations You also expressed a concern in your complaint regarding the hold on your payment of $ [redacted] made on December 16, 2016, and information you advised you were provided when attempting to cancel your paymentI understand it can be frustrating to make a payment and then not have the payment funds immediately made available to youSometimes Capital One will place a hold on a payment to allow enough time to pass for your bank to process your paymentIn some instances, we are able to contact your bank and verify if the payment clearedIf cleared, we could release the appropriate funds to your available creditOur records show that we made conference calls with you and your bank on December 17, 2016, and verified with a representative at [redacted] ***, that the payment did not clear at that timeThe payment was ultimately returned on December 20, 2016, for insufficient fundsFurther, we were unable to find any calls where you were provided the information you stated in your complaint regarding Capital One cancelling your payment of $ [redacted] During your call on December 17, 2016, you asked the Capital One agent if he can cancel this paymentThe agent advised that you would need to cancel the payment directly through your bank© Capital OneCapital One is a federally registered service markAll rights reservedIf 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 ***as the 6-digit PIN when promptedMy 7-digit extension is [redacted] I’m glad to help any way I canSincerely, Kevin A***, on behalf of Capital One Enclosures cc: 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 [Provide details of why you are not satisfied with this resolution.] Regards, [redacted] I had a large garage bill pending in the amount of $ [redacted] I wanted to pay the bill using my Capital One credit card and I wanted to be sure the balance on my credit card would cover it so I attempted, by telephone, to clear any transactions already on the card ($ [redacted] ) and make an advanced payment in the amount of $ [redacted] It seemed to me that these deposits were accepted by the representatives until a few days later the deposits were returned with no explanation as to why I was accused of fraud by Capital One and with the aid of my Broker and his Secretary we thought we had the fraud issue clearedOn the Dec27,statement I received a note stating that my account had been closed and that it was reported to the Credit Bureau Also in a phone conversation with a Cap One representative I was told that I had forfeited my balance of $ [redacted] awards that I had accumulated An amount of [redacted] was deducted from my [redacted] and paid to Cap One on DecMy intentions were truthful and honest and with the exception of ignorance on my part I still believe that I was wrongly mistreated by Capital OneSincerely, [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] P.S This Company has provided outstanding serviceI would give them stars on promptness, communication and ability to resolve my issuegreat job and keep up the good work Regards, [redacted]

Dear Mr. ***,Your complaint filed with the RevDex.com (BBB) was forwarded to my attention in the Executive Office of [redacted] for resolution. While [redacted] has an established partnership with Capital One N.A., we provide the in-house servicing for your [redacted] 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 April 2015 electronic statement notification, resulting in you missing your April 2015 due date. You state this is an error caused by Kohl’s, and request that the interest charge on your account be refunded.As a courtesy to you, we have credited $1.28 in interest charges as requested. This credit will appear on your May 2015 billing statement.I researched your concerns and found that your electronic statement notifications are being issued to the email address [redacted] I also confirmed we have not experienced any issues with our electronic statement notification system that would result in you not receiving your notifications, and we have not received an undeliverable message when sending statements to your email address.To ensure timely delivery of your [redacted] notifications, please make sure you add [redacted] to your contacts. Some email providers may flag our emails as spam or junk mail. Additionally, please keep in mind that your statement is not sent via email, but rather posted to your My [redacted] Charge account online. The email is only a notice that your statement is available for viewing. We have no record of your request to be removed from paperless statements.Mr. ***, we look forward to serving your needs in the future. If you have any further questions, please do not hesitate to contact me directly at [redacted] My Regards,

[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: My overall complaint against this company is the CUSTOMER SERVICE PROVIDEDIn their response to my initial complaint they offered me $as "peace offering" but basically still told me I was wrong, citing the customer agreementThe purpose of my complaint was not to look for additional credits to my account, I was satisfied with those I had already been given as a result of my initial call to the customer service departmentThe overall purpose of my complaint was to enact change to the policy of indiscriminately cutting off users from accessing credit, REGARDLESS OF THEIR ACCOUNT HISTORY WITH THE COMPANY! For example, I have a relatively large credit line with this company, that I use and pay off IN FULL EVERY MONTH, yet one month I am days late due to an illness and suddenly my credit is revoked? I feel that this is a terrible practiceI understand that if I , or other customers in my position, were chronically late, had bad credit with the company or both than this would be a reasonable action but to just send me a response stating "Here's a hundred bucks for your trouble and by the way, our agreement says we can do whatever we want, whenever we want and to whom-ever we want no questions asked because you signed it"...I'm sorry, that's un-acceptableThese actions by the company are in THEIR BEST INTEREST not in the best interest of both partiesThese actions lead to humiliating consequences for their customers and worse, if the customers affected are not like me, these actions lead to what must easily be hundreds of thousands if not millions worth of fees for the company as a result of these predatory actionsThis needs to be stopped and everyone should have the ability to find this complaint and see what could result by doing business with this company In their response the company states that the services agreement states that they can take this action when ever they wantHowever, the service agreement is easily pages, front and back, long and the type is so small that it would easily take a team of attorneys to digest the information contained withinFine, however, my complaint acknowledged the possibility thereto and asked that, at the very least, the company institute a policy either being more selective of those that they apply these practices against or at least make it perfectly clear, either by large bold-face or separate letter, that this is a possibilityThe company's response to me totally ignored that request and, again, just gave me a credit and told me I was wrong, read the giant contractI am looking for more culpability and acknowledgement that what has transpired is, at the very least, bad customer service if not overtly vindictive against customers who don't deserve such actions I ask that the representative that reviews this response review my initial complaint and acknowledge it accordingly, rather than throw money at the issue in an effort to try an hide the true issues by "shutting me up" Regards, [redacted] ***

Dear [redacted] ***, This letter is in response to the request we received from the Revdex.com (Revdex.com) about your Capital One credit card accountYou asked us to investigate a payment you made using [redacted] on May 18, We contacted [redacted] about your payment and found a $payment that matched the receive code providedHowever, the account number you listed for the payment is not a Capital One credit card account numberWithout an accurate account number, we could not process your payment from [redacted] We suggest that you go to your nearest [redacted] location and request a refundThe reference number for the payment is [redacted] We did receive a payment for $on May 25, 2015, and a payment for $on June 15, Your account is now current and no payment is due until July 18, Since you contacted us about your concerns, we have posted two $credits to your account for past due fees, interest credits for $and $17.94, and an additional $credit as a courtesyThis account has not been reported as past due to the Consumer Reporting Agencies, so the delay in receiving your payment will have no impact on your credit filesI am sorry that your experience was unsatisfactory and want to thank you for your patience while we were working to get your concerns resolvedIf you have other questions or concerns, please call me at [redacted] , Monday through Friday from 8:a.mto p.mETWhen 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