Capital One Financial Corporation

Dear Ms***: We are writing in response to the complaint that you filed with the Revdex.com (Revdex.com) requesting we close your
two Certificate of Deposit accounts ending in *** and ***. As of July 17, 2015, the two above referenced accounts have been closed and cashier’s checks in the amounts of $58,and $28,have been issued and shipped to the address on this letter. We regret the delay in processing your request and we apologize for any inconvenience. If you have any additional questions, please contact us at 1-800-655-BANK (2265)Associates are available Sunday-Saturday a.m.-p.mEST, a.m.-p.mCST. Sincerely, *** ***, on behalf of Capital One

Dear *** ***:
We are writing in response to the follcomplaint that you recently filed with the RevDex.com (Revdex.com) about your Capital One accounts ending in *** and***.
We regret you were dissatisfied with
our letter dated May 12, 2014, which detailed our position
regarding our verification process for your accountsWe strive to provide excellent service to all
of our customersRespectfully, we feel that our previous response fully addressed your
concerns, and we continue to uphold our positionWe have attached a copy of our previous
response for your reference.
Per your request, the accounts were closed on May 15, At the time of closeout, the
account balance was zeroYour closeout statement is scheduled to cycle on June 6, 2014.
Please allow 7-business day from the cycle date to receive the statement.
If you have any other questions on this matter, please reach out to us at *** or at
*** associates are available from AM to PM est, 7
days a week.
Sincerely,
*** ***
*** *** on behalf of Capital 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.]
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 ***, 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
See the attached letter exercising my Federal rights under the *** *** *** ***
Regards,
*** ***

Dear *** ***, This letter is in response to the concerns you sent to the Revdex.com (Revdex.com) about credit card solicitations you received in the mailPlease allow me the opportunity to address your concerns. As you requested, I have removed the name and address,
as it appears on your complaint and above, from our mailing listIf you were selected for any offers before we received your request, you may still get mail solicitations for the next several weeksIf you are receiving mail from us with any variations in the spelling of your name or address, a separate request may need to be submittedYou may contact me at the number below to help you with this. We received your opt-out request on July 2, The request expires in Opt-out requests expire after three yearsIf you wish to opt out of requests in the future, feel free to contact our office to for assistanceWe apologize for any frustration this matter may have caused. If you have any other concerns, please give me a call at ***, Monday through Friday from a.mto p.mETWhen contacting me, please be sure to have the following six-digit phone PIN available: ***. Sincerely, *** ***, on behalf of Capital 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
I will not accept this letterMy mother in law gave authorization for me to pay and discuss this accountThe car was picked up from my jobI have the keys to the carAnd the items are no longer in the vehicleI can give detailed description of what is in the car that belongs to meI do hope Capital One does right by meOr I will be involving legal actionAnd if my items are disposed of prior to this being resolved, I will also sue for everything that is destroyed and the towing company
Regards,
*** ***

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

[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: ***@richmond.Revdex.com.org
Regards,
*** ***

Horrible customer service Repeatedly lied to by multiple people Refused to give me any identifying information such as an employee number and refused to transfer me to supervisor Closing my accounts because there's obviously nothing I can do Don't know why I'm even bothering with this, the fact that they have an A+ rating tells me how corrupt the Revdex.com is anyway They have the lowest rating on every consumer website there is

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
The letter I received in response does not provide an adequate reason as to why my credit limit would not be increasedThey state in one part of the letter that I've recently had a change to my credit limitIn the additional information section to explain that reason, it states that they generally do not raise the credit limit more than once in a six-month period, which means it can be and has been done before. They also state that they are glad I've been a customer for almost three yearsThis is not the case, as if it was, my credit limit would have been increased to $*** as I requestedIf I don't have the credit limit increased to my requested limit by Monday, March 12, 2018, I will terminate my account and move my auto loan to another lenderAttached are pictures of the sections of the letter in reference in this email
Regards,
*** ***

Dear *** ** *** This letter is in follow up to your concerns directed to the Revdex.com regarding the payment holds being placed on your accountI have information to share. I would like to apologize for the frustration that you have experienced while dealing
with this matterI have issuedetimes Capital One will place a hold on a payment to allow enough time to pass for yo a $credit to your account for the inconvenienceThis credit will appear on your August statement. I understand it can be frustrating to make a payment and then not have the funds immediately made available to youSomur bank to process your paymentYou might see that your bank authorized the payment, but since it’s electronic it will take a few days for the payment to be clearedFor this reason, when you contact Capital One we have to process a conference call to your bank to release the funds. I have reviewed your account and confirmed your account was handled correctlyWe found no errors with how the payments were applied to your account. While we cannot guarantee if holds will continue on your payments, there are a few things that you can do to reduce the likelihood of having a hold placed on your payment. ? Continue making payments on time ? Avoid having payments returned ? Avoid making payments greater than the credit limit ? Avoid over limit status on the account ? Use the same bank account for payments If you have any questions or concerns, please give me a call at 800-955-1455, Monday through Friday from a.mto 4:p.mPTWhen contacting me, please be sure to have the following six digit phone PIN available: ***I am happy to help in any way that I can. Sincerely, *** ***, on behalf of Capital 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 The response does not say anything new that a customer service representative hasn't saidPlease show that my payment was made on the 18th which it wasI don't care about the fee as much as the record being correctPlease send me proof that the record indicates the payment was made (not received) on the 18thCapital one should not be allowed to force customers to choose a future date when the day is not over yetYou can charge the fee but the record should not indicate a late payment when it is nof the case. 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 ***, and find that this resolution is satisfactory to meThe business has performed this action and I consider this complaint resolved(If the company does not perform as promised I can get back to you at: [email protected].)
Although their response to the Revdex.com was accurate in fact, it left out much of the detail: that they had erroneously closed our account after contacting a third party who had nothing to do with the account (an individual with my same first and last name - despite having all of my correct contact info), that they had willfully and erroneously removed our online access, blocked our cards (despite a long history and perfect payment record); that they demanded that I contact them and then refused any contact via phone; that they were rude and unprofessional over the phone, treating us like criminals; that they away our accrued reward dollars, and abruptly closed our account, leaving us no options
I want to sincerely thank you for your assistance in this matterIt is a great comfort knowing the Revdex.com provides us protection from predation by large companies that possess resources orders of magnitude greater than ours
Thank you also for your superb follow through
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
*** from the bank did not address the fact that her employee told me for certain that I would not have to worry about my check going thru. The employee whom I have referenced before, *** I believe, told me that even if the transaction did go thru, the money would be returned to me. There must be some sort of provision for me regarding the error that the bank made and broken promises. Why have they extended no customer service here? They continue to deny any responsibility or fault in the matter, and that is despicable. Furthermore, I did not ask for $back, but for $since I have already paid for the car. The bank owes me something for the lies and trouble they put me thru
Regards,
*** ***

Dear Mr***, Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of ***’s for resolutionWhile ***’s has an established partnership with Capital One N.A., we provide the in-house servicing for your ***’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 you never authorized your enrollment in the ***’s Account Ease (KAE) plan. You ask for a full refund of all KAE fees previously assessed. KAE is an optional debt cancellation product that may pay the balance on your account in the event of an eligible lossKAE can be offered as an optional product when a customer applies for a ***’s Charge account or when using our automated phone system. You stated that you cancelled your KAE enrollment in April Regrettably, we do not have a record of this requestYour KAE enrollment has now been cancelled effective June 8, 2015, and on June 11, 2015, a refund of $was applied to your accountThis refund covers all KAE product fees and associated interest charges that have billed to your account, and resulted in a credit balance of $You can apply this credit balance to your next transaction, request a refund check, or it will be automatically sent to you in the form of a credit balance refund check after days of no activity. We appreciate your feedback on how to highlight KAE enrollment on our monthly billing statements and our websiteYour feedback has been forwarded to the appropriate areas. 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 ***’s Department Stores

Thank you.It does appears to have been solvedI got letter from the Capital One that they will correct their records and clear my name.Thank you very much for your super assistance in clearing this matter for me.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 ***, 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,
*** ***

Issue resolvedPlease see attachment

[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 *** I have also received a follow up phone call from the business, at which time we discussed my preference for resolution of the credit balance My preference was to receive payment by check, which I was told could possibly take up to days 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,
*** ***