Capital One Financial Corporation

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, 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 update this complaint once the claim with Capital One completed
Regards,
*** ***

The matter has been resolvedI received my refund todayThank you for your assistance.*** ***

[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 ***, 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: ***
Regards,
*** ***

Revdex.com:I have reviewed the offer made by the business in reference to complaint ID *** 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,*** ***
If the balance of my card went over $that was Capital One faultNot mineI used the capital one secured carded according to capital one's offer of the amount DEPOSITED on the card will be EQUAL to Amount CREDITEDAlso no where in the initial application did it say that the balance must be under the amount deposited ??? It stated after year my deposit would be fully refundedFor example if my balance was $would you have refunded $? with a $Balance ? If you would give $how would I ever get my $Deposit back ? The original offer did not state this

Dear *** ***, 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 *** on May 18, 2015. We contacted *** 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 ***We suggest that you go to your nearest *** location and request a refundThe reference number for the payment is ***. 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 courtesy. This 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 files. I 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 ***, Monday through Friday from 8:a.mto p.mETWhen contacting me, please be sure to have the following six-digit phone PIN available: ***I’m glad to help any way I can. Sincerely, *** ***, on behalf of Capital One

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]
Revdex.com:
I have faxed
a copy of the police report to Dustin and was told it will be investigated and removed once the police report is receivedThank you for your help in this matter
I have reviewed the offer made by the business in reference to complaint ID ***, 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: ***@richmond.Revdex.com.org
Regards,
*** ***

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, 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: ***
Regards,
*** ***

Revdex.com,
I apologize I didn’t realize there was more for me to do. ***’s apologized and reopended my account. I’m 100% satisfied with ***’s and the Revdex.com. Thank You for your help
*** ** *** **

[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***, 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: ***
Regards,*** *** Revdex.com spoke with the customer she said that this does resolve the complaint

[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***, 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: ***
Regards,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my
complaint. For your reference, details of the offer I reviewed appear below
I understand you are being truthful about your records however this is not the caseAs my trust in your company and its ability to keep accurate records is now diminished, I request that you terminate my account effective immediately
Regards,
*** ***

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID***, and have determined that this proposed action would not resolve my
complaint. For your reference, details of the offer I reviewed appear below
NO OFFER
[Provide details of why you are not satisfied with this resolution.]
Capital One Bank didn't offer anything to compensate all the psychological damages they caused to us
I thank you Revdex.com for helping us*** *** *** *** Regards,
*** *** ***

Thank you
arial, sans-serif;">It does appears to have been solvedI got letter from the Capital One that they will correct their records and clear my nameThank you very much for your super assistance in clearing this matter for meRegards,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID *** and have determined that this proposed action would not
resolve my complaint. For your reference, details of the offer I reviewed appear below.They are not telling the whole truth about the reporting of the information. They have already reported that the credit limit was exceeded. Their response states they are not reporting to the credit agencies. Also as this was a scam by a company on me they should have investigated more than a couple days. They also stated I told one of their representatives that I had purchased all the materials that were charged
to my card and this is as I have never told any of the representatives that this was done by me solely.
Regards,
*** ***

Dear Ms***: We are writing in response to the complaints that were forwarded to us from the Consumer Finance Protection Bureau (CFPB) and the Revdex.com (Revdex.com) regarding our dispute process for unauthorized transactions not yet posted to your Capital One
account ending in 3588. We understand you preferred to dispute the unauthorized transactions right awayHowever, we are unable to accept and process a dispute on a “Pending” transaction that has not been finalized and the funds not yet delivered to the merchantPending transactions may not post to your account, therefore, we must wait until the funds actually post before a dispute can be submitted. When you called to notify us of the fraudulent transactions on June 1, 2015, we were unable to submit the $*** *** dispute because it was still pendingOnce it posted to your account on June 2, 2015, you submitted the dispute onlineWe reviewed the claim and closed it in your favor the same dayIn regards to the $purchase at *** ***, we confirmed that this transaction was declined on May 30, 2015, and wasn’t authorized on your joint holder’s cardAs a result, this transaction did not post to your account. When we contacted you on June 5, 2015, to further explain the process, you asked to close your Capital One accountsWe confirmed the accounts were closed and the funds transferred to your *** *** checking account. We appreciate your honest and direct feedback regarding this experienceWhile we can’t say any changes will be made to the process, we’re always looking for ways to improve the experience for our customersIf you have any questions please reach out to us at 1-888-464-or at [email protected] are available from 8- AM to PM, days a week. Sincerely,
*** *** *** *** on behalf of Capital One

Dear Mr***, 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 concerns. In 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 interest. Upon review of your account, our records show that on April 30, 2015, you placed Kohls.com order #***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 warehouse. Due 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, 2015. 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 caused. Mr***, I trust the information provided resolves your concernsIf you have any further questions, please do not hesitate to contact me directly at ***. Sincerely, *** *** 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 ***, 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,
*** ***
I would like to point out that this issue began when Capitol One blatantly lied and said that I had never made payment arrangements to begin withAccording to my credit file I have been reported as being late since at least November My first payment was made on timeWhen I made this complaint I was already being reported as 90+ days late (by Capital One)That is a violation of lawAlso my complaint has absolutely nothing to do with what has been discussed here I have already stated that I am aware the late payments discussed.
What I have complained about is clearly stated in my credit file I have detailed the reasons why I am late at this pointI have also added statements to my credit file myself To explain the situation As is my right under the law I have secured a way to bring my balance current by the end of February So I will not need to make further arrangements at this timeI will however take whatever measures legally necessary going forward under the law to have my credit accurately reported by Capitol One

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, 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.]The company has in no way attempted to resolve the complaint
Regards,*** ***

Unbelievably rude customer serviceI had been with Capital One for so long that I forget how many years I had always relied on email statement alert from them to remind me to pay my statementI have GREAT payment record with them There was a problem with Capital One that prevent them from sending email to me, so I missed a statementI called in on Sunday to clear it up, get the fee and interest charges dropped, tried to fix the problemThe representative said my account would be unfrozen by the next morning after I paidI paid and waitedThat was all fine with the representative that nightThe next morning, February 15, around 11:20am, I called back to make sure that my account is unfrozen in order to pay for a large orderThe representative this time was extremely rudeShe explained that the account is still frozen because they don't process statement on a Sunday and asked if this is an emergencyI stated that it's not an emergency, but just a big inconvenience and sighed in disappointmentThen she stated that I should then set a reminder so I don't forget to pay my bill I was taken back by this so I explained to her that I usually get my alert from Capital One email, but there was a problem with that so I missed itShe then replied that I should I have known that I had a statement dued because the system shown I logged in before the due date WHAT? I could have logged in for a different reason or other things could have happened She basically insinuated that I purposefully did not wanted to pay my statement while I just paid my statement (with a great record, nonetheless) I told her I called to check on my account and that I did not asked for any of such implication The final ending to the conversation goes like this:
She: I already had answered all of your questions Is there anything else?
Me: You know what? YesWhat is your name?
She hung up
How badly rude is that? It is unbelievable If Capital One looks at my phone call record, they should be able to figure out who this representative is, listen to the recorded phone call, then discipline her

Dear Mr*** I am writing in reference to your submission to the Revdex.com regarding your Capital One Auto Finance
account ending -***This matter was forwarded to Capital One for research and responseWe apologize for any delay you may have encountered in obtaining a resolution to your concerns. Thank you for speaking with me on June 5, 2015, via telephone, regarding your submissionDuring our conversation you stated you authorized the payments referred to in your letterYou further explained that you did not realize that you had done so when you wrote the letter. You also explained that you were unable to access your account onlineIf you are still unable to access your online account, please contact Capital One Web Support at (866) 833-The Web Support department is open days a week from 9:00AM to 8:00PM ESTIf you have any questions regarding this response, I can be reached at *** ***. Sincerely, *** *** Office of the President, Financial Services Capital One