Capital One Financial Corporation

Capital One received this complaint and corresponded directly with our customer to resolve this matter

[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.No is able to tell me if this will be or not be reported for sureThis is outrageous. It MAY be reported is not an answerThis should not be reported because had I received quality customer service the first time I called on the 8thThey would of reviewed my account and offered me an extensions thenStill does not justify why I have to pay any fees for the days it took for your staff to review an account. Had they did the job correctly they would of accepted my offered to pay the day of the 8th. Instead it took them days to tell me they would accept a little under 700. That extension was not offered to me as curtsey so much as it was the only option or I choose to let to car go. Which I still have every right to do at this point if you end reporting this anywaySo again, my request was to have this not reported, Which you did not confirm at all and to have my fees paid for those days. I want the calls pulled and the multiple recorded conversations reviewed. I want copies now if I may as wellIf I have to pay a fee fine. I even had one conversation and no one wanted to tell me what I was owned if they didn't finish their script. That's how I ended up in the presidents office because I threaten legal action if no one wants to tell me how much I owe. No extension was every offered at that time on the 8th and it is absolutely unreasonable that I was forced to wait days because at the time $wasn't good enough to pay Capital one, they asked for 1600, I refused, and had to wait 4 days for you all to come back and tell me $700. Which makes no sense!!! NopeThis offer is declined
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
those are correct as fraudHow ever I have faxed a letter an added those that aren't mine and should also be addedI did not add a second card.
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.In response to Capital one answer I do not accept their response...They LIED and fabricated their response...The card was NOT SUSPENDED/ RESTRICTED prior to rejecting the chargeThe card was fully in useThe card was suspended AFTER I phoned to inquire about the rejected chargeThe *** placed the suspension while I was talking with themWe may have to listen to that tape conversation in its entirety without any changes to the recording. I spent several hours on this issue. They admit error, they offered $yes but not satisfactory and I stand by my claim
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
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***
This isn't a final on the response and I do appreciate the help that was given so farI best felt it would be better to have this in writing vs over the phone so you can see and compare it to your own records for my accountI found the information as far as why my credit score has degraded so much and it does lead back to Capital OneProvided are the details of thisIt appears that nothing has been reported to the credit companies since Feb 25, It's just holding my last balance of which is dragging it down, despite the fact that the account is now closedThis needs to be reported as my balance is paid off and that the account is closedAfter talking with both *** and *** about this, they both agree that once it's reported, my credit will rise again, although the damage done to it is unknown until accounts are settled

I expect their offerThey say that they have followed through with my requestHowever, I have received other similar letters in June and July did not do what they said they wouldFor that reason, I will follow up to ensure my credit score has been restoredIf not I will be lodging another complaint, or perhaps seeking different ways that may help recover the monetary losses I have sustained as a result of their actions
*** ***

[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,
*** ***

[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,
*** ***

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

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 feel this is not acceptable, one of the agents I spoke to stated there is something that can be done since I was (one) day late, I was 1(one) business day late, and I also stated it could have been an error in my part, how ever I guess your customers do not matterI know see how you treat your customers, prior I would recommend Capital One, not any more
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.Anna called me this past week, but only to tell me that there was nothing they could doShe pretty much read from a script and used a fake timeline and facts and reiterated their previous decision of not helping me outShe mentioned a few, if not a lot, of incorrect informationI tried to explain once again the problem and she simply wouldn't not changeThat shows that she called with her mind already made up instead of making a decision afterwards.
I was told for the first time that the information I submitted was looked at and was still not good enoughif that was the case, why wasn't I asked to provide more information? Since I did not purchase the ticket, I should be given a chance to prove thatFurthermore, the airline didn't prove anythingThey did not provide my signature or anything like that.
If anything, this phone call made me even more upset at this companyI dont think the company is willing to work with me and compromise at allRegards,
*** ***

Dear *** ** ***, This letter is in follow up to your concerns submitted to the Revdex.com (Revdex.com), about unauthorized
transactions on your accountThank you for your patience while we resolve this, and we apologize for any inconvenience that may have been caused to you. Based on the additional information we received, we’ve permanently credited your account on June 23, 2015, for $1,This amount is for the three unauthorized transactions of $605.00 each from *** *** *** **, which were charged to your account on February 08, This credit will appear in your July 2015, statement. In your complaint, you indicated that your son, the authorized user on this account, is in the militaryFirst, we want to thank him for his service to our country! In an effort to determine whether your account is eligible for enrollment in our Servicemembers Civil Relief Act (SCRA) Program, we researched his status in the Defense Manpower Data Center (DMDC) database maintained by the United States Department of Defense and confirmed his active duty status. As a result, SCRA benefits will be applied to your account ending ***You will receive an enrollment letter from our SCRA Department with more details about our Program. If you have any questions or concerns, please call me 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 any way that I can. Sincerely, Yaime Baca, 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 contacted capital one,the fraud department agreed this was a cause of fraud.like I told them I applied for a secured card on december 10th and a business card august 2014.the rest were not done by me.as for inquiries.thats per credit agency total of 18.why did the capital one fraud department agree to send letters to credit bureaus.now you have a different answer.this is very damaging to my credit report im trying to fix.I want removed from my credit reports and stop accepting applications in my name.as for the letters you sent.I have never seen any letters sent to this address.so now where are they getting sent to?all I want is inquiries I didnt not apply for or give anyone permission to apply for.also for you to stop any applications sent in with my name on them
Regards,
Dennis Hildebrandt

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 accept this offer but the late fee has not been returned as promised
Regards,
*** ***

Dear *** ***, 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 you did not receive your March statement, which subsequently led to you missing your April due date and a late fee billing your accountYou ask that we refund the late fee based on this information. As a courtesy to you, we have credited the $late fee back to your accountThis credit resulted in a credit balance in the amount of $You can use this credit against your next purchase, contact us directly to have a check mailed to you, or a check will be automatically issued to you if the credit balance remains after days of no new activity. Our records show that your March statement showed a balance of $54.11, with a minimum of $due by April 12, Regrettably, we did not receive your payment by the due date, resulting in the assessment of a $late fee to your accountThis fee appeared on your April billing statement, which reflected a balance of $and a minimum of $due by May 12, On April 22, 2015, we received your payment of $80.17, bringing your account balance to zero. I have confirmed that you registered for e-statements on November 17, 2013, with your email address listed as ***We have not received any returned statements from this email addressEven though the assessment of the late fee is in accordance with your Cardholder Agreement with us, we have refunded the fee as explained above. I trust the information provided resolves your concernsIf you have any further questions, please do not hesitate to contact me directly at 262-704-9413. Sincerely, *** *** SrExecutive Correspondence Advisor Office of the President Kohl’s Department Stores

[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 10368433, 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: [email protected]
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 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
Where during the application process to Capital One indicate/warn that a hard-pull would take place? Where?
Regards,
*** *** *** ***