Capital One Financial Corporation

November 11, 2016 *** ***
*** *** ***
*** ** *** 11px;">Re: Account ending in Capital One Case: *** Revdex.com Complaint ID: *** Dear *** ***, I’m following up with you about your concerns submitted to the Revdex.com (Revdex.com) regarding the handling of a fraud investigation, late fees and closing the accountThank you for your patience while I researched your concerns, allow me to explain what I found. Your account is currently in a cease and desist status per a previous requestA cease and desist status means that you will not receive any collection calls and letters from us, but we will still send you any communications required by applicable law, your Customer Agreement, or in response to a request for information or a complaint raising concerns about your account. Accordingly, our response is being sent in response to your written requests for information and/or to address specific concerns you raised about your account in your Revdex.com complaintThis response to your complaint is neither intended to be, nor is an attempt to collect on the debt. Please note that Capital One complies with all applicable laws and regulations when servicing its accountsOur goal is to provide the highest level of quality service to all of our customers. We’re sorry to hear that the service you received did not meet your expectations. I have confirmed that we have previously responded to the concerns of fraud on the account and advised that the previous fraud investigation was resolved in your favorAll charges that were considered fraudulent were credited to the accountI have enclosed a copy of the letter that was sent to explain in detail. I was unable to locate a transaction from *** as you mentioned in your current submission. In order to review the claim, I would need you to provide clarification on the charge in an attempt to assist with the dispute. In response to not adding late fees, we may charge you this type of fee if we do not receive your payment in time for us to credit it by the due date shown on your billing statementIf the account is not made current, the account is still subject to receive penalty fees and interestYour statement will provide instructions for making payments, including the amounts due and the due date for receiving your paymentTo avoid a late payment fee, you must pay us at least the minimum payment amount by the due date provided in the statement.
Lastly, I confirmed that this account was closed on August 11, Once your account is closed, it cannot be reopened even at your requestAny purchases or other transactions that were made prior to the account closing will post to the account, but all future authorizations will be declined. If you have any questions or concerns, please give me a call at 800-955-1455, Monday-Friday from 8:a.m.-p.mETWhen contacting me, please be sure to have the following 6-digit phone PIN available: and my 7-digit extension I’m glad to help any way I can.
Sincerely, Marie M***, 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 reviewed the
offer made by the business in reference to complaint ID ***, 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.
*** ***

Don't get them!! Aside from their high interest they are bad with customer serviceIn October of someone stole $using my credit infoI have never taken anything out nor ever shared my pin with anyoneThat's just stupid I called them and was told it would take months to resolveMonths passed and I decided to give them a call todayI was told that they wouldn't refund meI guess the ATM didn't have cameras which is not my fault and maybe that's why the crook chose that ATMThe customer rep even tried blaming me for "sharing" my pinI even told the rep I never didI also wonder if they ever planned on calling me of messaging me that they couldn't helpI had to call THEM! Don't waste your time with themI am cancelling my card and never getting them againShort $(I was also charged with cash advance) thanks to a jerk who is lazy getting a job and to a company with poor customer service

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
I in good faith contacted Capitalone in September and was advised that they will address the claims, this initial contact was within the days alloted period for action I also was not satisfy with the representative who handled this dispute, she would call at times of the night that were unreasonable and she was not pleasant, I would like to have a senior executive address the issue and make amends
Regards,
*** ***

Dear Ms***, 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 that you did not receive any statements, resulting in your account charging off and forwarded to a third party collection agencyYou are requesting ***’s remove your account from the agency and credit any related feesI apologize for the frustration you may have experienced concerning this matter. After review, your concerns were previously resolvedOn December 31, 2014, we issued credits to your account totaling $The credits are for late fees, interest charges, and the principle balance, and appeared on your December billing statementEnclosed is a copy of this statement for your review. Additionally, we have reversed the charged off status of the account and submitted a request to the Consumer Reporting Agencies (CRAs) to update the negative payment history on your credit profileThis information was communicated to the CRAs on May 11, We ask that you allow up to days for the CRAs to update their files. Our records indicate we had the incorrect zip code on file for your mailing address, which resulted in your statements being returnedOur ***’s Collections Department did attempt to contact you via phone to inform you of the missed payment, but was unable to reach youThe account charged off on December 31, 2014, and was being serviced by Progressive FinancialAs referenced above, we have taken the above steps to resolve your concernsAs of May 19, 2015, your account is open and current. Ms***, 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

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 have continuously been in contact with Capital One fraud department and have spoken to over a dussin fraud specialists since I discovered the fraudulent charges on my account in May Each and every time, the fraud department managers ensured me that the matter has been resolved and that the four fraudulent charges - $each - will be credited to my account within a few daysIndeed the charges were credited, only to be charged back again by the company involved in the fraud case - ***In September 2015, a fraud department manager I spoke with, supposedly called *** while asking me to hold, and personally resolved the issue, so I was toldThe charges from *** stopped, but Capital One failed to credit the four fraudulent charges on my accountSince then the case has been transferred from the dispute department to the fraud department back and forth, and the representatives have been telling me each time I called that the matter has been resolved and I will see the four fraudulent charges credited to my account within a few days.
It is not satisfactory to me to, at this point, several months after the fraud case has been resolved, tell me that the case is still being investigatedOnly a few days after I filed my complaint with the Revdex.com, Capital One credited my account with three of the four fraudulent charges. I do not understand why the remainder one charge of $was not credited at the same time, and until today I have not received any information regarding the reason for this from Capital One
As a fraud victim I find it very frustrating to have to be dealing with this issue for over months, and having to turn to the Revdex.com in order to get help with getting this issue resolved once and for allI feel as I have been misled by Capital One fraud department supervisors who have been telling me that the matter is resolved each time I called them
I will find it satisfactory once I receive the final credit for the one remainder fraudulent charge of $that is still showing on my account
Regards,
*** *** ***

Dear *** ** ***I am reaching out to you about your complaint to the Revdex.com, about informationwe reported to the Consumer Reporting Agencies (CRAs), like *** *** ***We valueyour feedback, and we’re glad to share more information about
this.Account ending in***:After reviewing your account and credit reporting information, I found that we are not reportingthe account to the CRAsOur records show that this account was not included in the transfer ofcounts to *** Card Services, N.Awhen Capital One purchased most of its U.Scredit cardaccounts on May 1, *** may still be reporting this account and/or the first date ofdelinquencyPlease contact them directly at *** for further assistance.Account ending in***:Our records show this account is reporting as open, with a balance of $39.00, and current, as ofthe date of this letter.If you have additional questions or concerns, please contact me at *** I am availableto assist you from the hours of 8:a.mto p.mPT, Monday through Friday.Sincerely, *** ***

Right now, I dunno if I want to continue paying on interest or just letting this account go to collections Either way, the damage has already been done to my credit So again, thanks
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,
*** ***

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.Capital one banking/ online banking has not been easy and trying to speak to a representative has been difficult I made the best decision ever by closing this account! I will be going to the FCC and everyone else to see about getting banking regulations changed

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,
*** ***

I cannot reccommend this compay more! They have been amazing in helping me through the total loss of my vehicle and with the payoff after insurance coverageI am so gratefull I was able to work with them
Sincerely, ***

I somehow made it onto Capital One's 'pre-approval' and 'special offer' mailing list and I receive pre-approvals and offers several times a week in both my maiden and married namesI reached out to them requesting that they take me off the listThey said it may take 2-weeks and that I would receive mailings in the interimNow it has been several months since I reached out and I am still receiving these mailings In fact, I have received mailings from Capital One and I am getting sick and tired of thisIt is a colossal waste of money to send out this many mailings to someoneThere also should be some sort of checks in place to stop mailings from going out to the sameI could understand if the names were different - but my first name is incredibly unique

I allowed Capital One to deduct us dollars from my checking account via ACH transferaccount was opened and going finethe credit line was us dollarsOne day I was declined a saleI called to find out why and was told I had suspicious activity on my account and needed to prove it was my bank account used to make the depositThe ACH transfer gives the name of the account holderWhen I get my payroll deposits by ACH it tells me who deposited the money into my accountMy personal bank will not give out information about me for security reasonsI faxed my account activity to them showing the where the money had been removed from my accountI still have been unable to get an exact reason they feel I am defrauding them considering the deposit on fileI told them to close my account and deduct the charges already on the accountI was told I would have to wait business cycles to get my remaining deposit backI have yet to receive any conformation of closing the accountI only needed this to bring my credit score upMy home and vehicle are paid in full so I really didn't need the credit card or the hassle of trying to prove my innocence

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
I am not accepting the reasons that were stated by Capital One because this is so not the situation hereThe accounts in questions range from well over a year such as account ending in #*** have not been raised in more than a month time frameAccount number ending in #*** has been closer to months since any type of raise was made to this accountAccount ending in #*** also has not been raised since complaint last dated in Spring of as per noted with the Revdex.comThere is no valid excuse that Capital One could use to refer to my account request of having credit limits increase as since then of accounts were paid in full with zero balances, the time frames are well past their requests for credit limit increases and my payment and usage activities have always been in outstanding reputationWhy would a customer with five accounts in such excellent status and responsibility with their accounts have to be declined for a simple and yet well deserved request?
Regards,
*** ***

Dear *** ***, I’m reaching out to you about the concern you sent to the Revdex.com (Revdex.com) regarding receiving a credit
limit increase from the Credit Steps program on your accountWe would like to share some information with you. I am sorry you are dissatisfied with the level of service you receivedCapital One’s goal is to provide all of its customers with the highest level of customer service. We understand that this must be a difficult time for youWe have reviewed your request to reinstate the Credit Steps program on your accountOur records show that the account was accurately removed from the Credit Steps program due to two missed paymentsThis program only allows one late payment to occur before removing our customer from the programOur research confirmed the account was late on April 16, 2015, and June 16, You are informed of the cutoff timeframes for online payments, and over the phone payments, on every statement we send to youOnline or mobile payments also show the date in which it will post for, due to cutoff times, prior to you submitting your payments. We appreciate that you would like to use this card more often, and so a credit limit increase is important to youYou may attempt a credit limit increase, at any time, over the phone at 800-955-through our automated phone service, or you may also attempt a credit limit increase while logged onto your account at Capitalone.comYou may request a credit limit increase as often as your likePlease know that credit limit increase requests are soft hit inquiries to the Consumer Reporting Agencies with no impact to your credit score. If you have any questions or concerns, please give me a call at *** 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

Our customer is requesting assistance with the balance on the accountOur research
shows that a long term payment plan on the account has been offered to the customer.
We have confirmed the details of the payment plan with the customerShe states she
has
accepted this planCustomer was satisfied with the resolution

Capital One acts as an advocate on behalf of its customersIn this case, it is the responsibility of the acquirer to act on behalf of the merchantWe are not obligated to address any inquiries coming directly from the merchantMerchants must contact their banks for transaction dispute
resolution

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.Please review and have Capital One to review the *** documents which I have submitted in response to its response from December
31,
Regards,
*** ***