Capital One Financial Corporation

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

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 do not accept this offer the the company suggestedWhen communicating with the company, the representative stated the account would be deleted from my credit reports upon paymentThis conversation happened via telephone, therefore, I feel the company should investigate the voice recording further to substantiate my claimIf I had any doubt the the Capital One representative would give me information I would have recorded the conversation myselfI believe capital one should make good in their promise to delete the account from my credit reportI have paid this account in full with no problem yet the company chooses to ignore statements/promises that they made to me as a customerI will be sure to take my business elsewhere to a company that chooses to practice ethical standards.
Regards,
*** ***

In April I had a bad car accident in which my car was totaledI had car and GAP insuranceI went through all the proper channels, responded to all correspondence and kept Capital One informed I never missed or was late with a paymentIn fact, I continued to pay for this car until THEY cut me offI checked in with them and did all the foot work to get them paid by both insurances so that it would not be on my credit report which reflected a A+ payment historyI have a credit card with them also which reflects the same A+ historyThey even approved me for another car loanIt was such a long processMy car Insurance paid, however Gap Insurance will not deal with the car owner because the policy is bought through THE DEALERSHIP making THE DEALERSHIP the only one who can get any info/paperwork from them which is what made this such a processWell unbeknownst to me, because I was never informed after working with several CO reps and distinctively asking for help and direction on what to do to avoid it going on my CR (yes the calls were recorded AND reviewed), according to Capital One (conveniently now) they only allot days for the vehicle to be paid offThey were aware that I had the insurances and made me think that this process worked along WITH the insurance companies and NEVER informed me that this was a TIME SENSITIVE MATTERI was continuing to pay them THEY CUT ME OF! I don't deserve derogatory marks on my CR because I was not irresponsible and negligent with this accountThere are many people who don't pay or get repo'd for whatever reason and for those of us who do payMy whole A+ history is ERASED and replaced with a derogatory markThey really don't care about ruining peoples lives

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,
*** * ***
The party who represented Capital One insisted to call and discus the matter over the phone but I refused to communicate over the phone rather I wrote letter that I would like to see all the evidences in papers and correspondences on a written letters onlyI also provided the requested information to the party to help him investigate this matter further
Thank you Revdex.com for your continuing help

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 was not able to withdraw $*** nor was I able to find a bank to assist with a cash advanceI am In the STATE of ***. Your Rep was not able to Help assist with locating one. This is the reason I called!
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 belowProblem:
As far as I can tell the Revdex.com has done NOTHING except CLOSE THE COMPLAINTThe fact is that Capital One PRETENDS THAT THEY DO NOT KNOW WHO I AM EVEN WHEN I GO INTO THEIR LOCAL BRANCHYet, they keep SENDING ME INFORMATION TO OPEN A SAVING ACCOUNTThere are OTHER banks and I DO NOT NEED CAPITAL ONE BUT I RESENT BEING TREATED AS A NON-PERSON
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Desired Settlement / Outcome
Desired Settlement:
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Desired Outcome:
I WOULD LIKE A LETTER OP APOLOGY FROM CAPITAL ONETHAT DOES NOT MAKE UP FOR ALL OF THE THINGS WHICH THEY HAVE DONE BUT AT LEAST IT'S A STEP!

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

Re: Account ending in *** Capital One Case: *** Revdex.com No: *** Dear *** ** ***, We are responding to your correspondence received by the Revdex.com about the reporting of your account to the
Consumer Reporting Agencies (CRAs). Per our conversation on February 5, 2015, a request has been submitted to the Consumer Reporting Agencies, like *** and ***, to remove the delinquencies from July 2012 through October from your credit file. I have confirmed that the account is reporting closed with a zero balance and no past due payments. If you have additional questions or concerns, please give me a call at 800-955-1455, Monday through Friday from a.mto 3:p.mPT. 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
According to *** website, the company has days (not business days) to respond before being turned over to the *** *** for further assistance or being found that the company is liable for wrongdoing The company has not filed a response with them to date since the complaint was filed on December 18, On the *** *** *** *** website, it clearly states that companies have days (not business days) to submit a response to *** and person who filed the initial claim In the same manner, the *** also say that the consumer has days to provide feedback to the to *** not the company has days to respond See attached screenshot from *** website After several attempts to resolve this directly with Capital One, I have gained no resolution but rude and unwillingness to provide adequate customer service This issue is been almost a whole year being disputed and nothing has been done on this situation to resolve it Capital One also listed the account on my credit reports as "Account closed by consumer," which I never requested to have the account closed Capital One also locked me out of my credit card account as to not let access pertinent information that is relevant to this case Capital One has refused on multiple occasions to resolve this issue and has caused unnecessary harm and damage Whether this is a duplicate complaint with two separate agencies should not matter A response is demanded immediately cause it is clear that they are not willing to respond to the *** but took the time to respond to the Revdex.comI am wanting this issue resolve before going into with satisfactory 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
I will be consulting my attorney on this because its doesn't matter if the information is true or notI have an legit cause for being late and I will not accept NO at this time or any other timeI will contact him this afternoon and I will send his letter as soon as I get it
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 violated my consumer rights by not obtaining my permission before attempting to pigeon hole my credit ratiosI am aware of this tactic to increase profits by suttle cohersion to steer persons an unwanted nor solicitated tactic attempted by them, which is no more than an attempt to control my credit standing and it's an attempt to steer me and hold hostage my ability to direct and maximize my credit futureI am appalled and the entire uninformed public should be aware of this underhanded and underminded intentional practiceNo Capital One, you are predictors on the disadvantaged and how dare you attempt to portray yourself otherwiseI appreciate the fact that credit was extended initally of which I have no intention of abusingI will not ideally stand by and not go forward in addressing this practiceI know they can not legally cancel my card due to consumer protection laws unless I violate can the terms of agreementSince I have not violated these terms and paid off my balances in an expedite mannerCapital One should rethink this response and follow back up with as promused for I am still awaiting the return telephone call from the representative whom promised to call me back within hours if memory serves me correctlyThis matter us far from being over at this pointThe fact that I have been not only disrespect by the actions the fact that they didn't keep their word justifies the initial purpose of my complaint, it has only compiled the issues..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 am disputing a total amount of $ *** Please contact me at *** There is also a new inquiry on my credit in regards to someone applying for a card which I DID NOT
APPLY FOR.[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 am satisfied with the companies decision to this matterI thank them for working with me and I have no further complaint at this time

[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: ***
Note: CapitalOne was extremely professional and resolved this situation very quickly
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 belowI mistakenly mentioned the account was by *** *** I was incorrect The account is HSBC Bank The account is being reported by Capital One, HSBC Bank, and *** *** *** *** is reporting twice once each for Capital One and HSBC Bank This is all for ONE account It is ruining my credit
Regards,
*** ***

I must apologize
for my late response. Capital One responded to my complaint quickly and completely. I wish to indicate my total satisfaction with the representative that contacted me about my dispute. She insured all my concerns were addressed. She also made a resolution to this dispute in which both parties were satisfied
I would like my statement appended to my dispute
*** ***
** *** ***
*** ** ***
*** ***
***

Revdex.com:
I have reviewed the document made by the business (Capital One) in reference to complaint ID ***However, there exists no offerCapital One chose to avoid
fixing their simple error and instead waste the time and resources of their own company and of *** ***They continue their violations and consumer harassment through various means, including and not limited to the US Postal ServiceTo illustrate the lack of effort and communication on behalf of Capital One: Capital One continues to extend various offers of credit via the US Postal Service, yet entirely refuses to solve their simple billing errorIf Capital One had any information contrary to what *** *** initially contacted them with (and as provided to the Revdex.com), they could have furnished it anytime over the past monthsInstead however, Capital One chooses to report information to the CRA/CRBsCapital One could have a regular CS agent spend a few minutes to solve their problem
Regards,
*** ***

Revdex.com:
I have reviewed the response and feel at this time due to the gross negligence of your behavior as a company this issue need to be discussedYour inaction has harmed me
when it was unnecessary.
To begin w/ the contact information you have sent is once again a useless responseI am in another country, which as you know does not allow me to call an numberThat is the reason it is so frustrating to deal with you as a companyCapitol One refuses to believe that their numbers are unusable from another countryThe problem is so prevalent that the phone companies have your phone numbers ready to assist you.They know your numbers thats where I got a number to call you with!Why would you do this? You Capitol One are too obstinate to listen to what customers are sayingTry and listenYou can repair the situation for everyone involved. If the phone company knows your numbers then you can surely publish that number to help people in need traveling internationallyAs it stands now I received more assistance from my phone company than from you my credit card company!! If I call your customer service lines Capitol One has trained them to not forward calls to your department as I tired daily to reach you daily and get this escalatedI was forced to go to the Revdex.com for help as you, my credit card company, make it impossible when there is an emergencey to get the required assistance. What would have been a professional response is for someone in an emergency situation is to provide assistance immediately which you as a company failed to doI guess that is because I pay my bills on time every monthNow you in addition refuse to take responsibility for the issued try to pretend it didn't happen! I am again requesting contact information that I can use and is valid from ***, that requires things
1-a nonnumber with which to call into you
2- an email address to contact you with
Sending me this information makes it possible to resolve this issue, not doing so keeps this non communication going onYou stand to benefit here, Capitol One, as you would not have as many complaints lodged against you which you rightly deserveThe issue here is RESOLUTIONI received no calls from you, no voice mail and no message in my online account.
As far as not finding any calls GET YOURSELF SOME HELP. I called everyday, several times a day because your agents refused to helpI called from every store I was denied a credit card transaction.The worst day was Christmas Eve, where I was left to sleep in my car with my dog because the credit card didnt workThe woman in fraud promised me the card would arrive in days, a supervisor who also said she call to check in daysDidn't happenyou would have known this if you took the time to contact me and we could speak to each otherThere is internal messaging through my online account, you have no reason to claim you didn't get thrucredit cards w/ a damaged chip dont work outside the country to spite what you delusional belief you have in your own mindI called in dailyIn addition I tweeted several times a day in a desperate effort not to be abandoned especially on a holidayYou Capitol One did not care! I called for hours on end some days! I blew through the battery on my phone calling youStop this unproductive nonsense and do something to correct your pathetic mismanagement processes and responses.You need help as a company. you refuse to deal with the problem and take a look at what problems you create and how to RESOLVE them. People rely on you as a company to be there for them you have proved in a trulydisappointing manner that you could care less nor ore you interested in correcting the situation so you do not leave someone abandonedI spent well over hours attempting to get assistance
If you had done your research properly you would have found, that I called in to verify I had the received the card & inquire where you sent the second cardYou stated the second card was set to my home address, Why ? I am not in the country how is that going to help? Then you never sent it at all.Agents would tell me or cards where sent it was chaos dealing with yousome days I called several times as your agents would hang upDealing with Capitol One is near impossible, every day I was given another story by another representativeI called the fraud department so many times I can train your peopleI am available to help train your agents and create a system that supports your clients needsFeel free to contact me and I will discuss my rates with youWhat happened to notes in the account ?Does it make you feel good to treat your clients this way? To leave them abandoned and no way to get assistanceAsk yourself the question would you like your mother to be treated this way ? You need help as a company because you refuse to deal with the problem and take a look at what problems you create and how to RESOLVE them. People rely on you as a company to be there for themyou have proved in a trulydisappointing manner that you could lessYou left me abandoned, upset, withoutaccess to my account and I pay you on time every month ! Contact me and send me valid information that is a non number so I can actually speak with you.*** ***