Capital One Financial Corporation

Revdex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action does not resolve my complaint at the present time According to the letter that was attached to your email, Capitol One claims they received the documents on Feb and are reviewing themAs stated in their letter it will take them 20-business days to review the papers and respond which will take them until the end of MarchThe documents were mailed on Feb1, so I don't know why Capitol One is stating they received them on the 23rd of Feb I would like to keep this case open with the Revdex.com until the account has been closed out and a check has been mailed to Patricia as requestedI'm concerned that Capitol One will not follow through with what their letter statesRegards, [redacted]

Revdex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below The attachment letter indicated that Capital One did not delete the item and refused to delete it from my credit reports [redacted] , [redacted] , [redacted] AND [redacted] Regards, [redacted]

Revdex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted] , 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, [redacted] This is an on-going attempt to collect significant interest from me since I do pay the balance on timeThe response is completely unsatisfactoryPlease make sure my complaint shows up in the Revdex.com ratings [redacted]

Revdex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted] , 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 fully aware that the APR rate of ***% was the same for purchases and the cash advance on my account In the Capital One reply they state, themselves, that the cash advance and purchase balance were treated as one, then why were they listed separately on my statement? Also I couldn't find in their rules, where it states payments are applied when they listed them separately with the same APR? I would sure appreciate that answer!I tried calling but the line is usually busy and I work 8-and their hours are 8:30- Regards, [redacted]

Revdex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below An apology does not make up for all the bs and timeIt's like the company has intentionally hired a lot of is that can't resolve a thing! How can this fraud mess just appear out of thin air? You don't even have an explanation for itOn top of this as a result of the games you have played I won't get my full months of 0% interestThis needs to be altered without anymore excusesI just activated my cardI'm highly upset and disgustedYou need destroy my personal documents I sent in, as they have sensitive information on them Regards, [redacted]

Dear [redacted] *** I’m reaching out to you about your concerns submitted to the Revdex.com (Revdex.com) regarding an account upgrade and the Annual Membership Fee (***) billed to your account Our goal is to provide the highest level of quality service to all of our customersWe’re sorry to hear that the service you received did not meet your expectationsIn your concerns, you stated that you were advised during a phone interaction that your account would not be charged an [redacted] after being upgraded in We were unable to find any calls where you were provided the information you stated in your complaintOur records show that on August 14, 2014, your account was upgraded to the Quicksilver One Cash Rewards Card which gave you the ability to learn ***% cash back on purchasesDuring this upgrade, the original terms and conditions of the account remained the same, including the $ [redacted] ***I apologize for any confusion that this may have causedI’ve also confirmed that since your account upgrade, each [redacted] that was charged to your account has been credited to your account and your account has been closed per your request as of October 23, I have enclosed a copy of the confirmation letter for your recordsIf you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from a.m.-p.mETWhen contacting me, please use [redacted] as the 6-digit PIN when promptedMy 7-digit extension is [redacted] I’m glad to help any way I canSincerely,Judith R***, on behalf of Capital One Enclosure cc: Revdex.com © Capital OneCapital One is a federally registered service markAll rights reserved.1/5/IBM Content Navigator Viewer

This company filed a credit card to someone in my family, under my name, without my signature, consent or contactNow years later, I'm working to pay down the amount on my card and was told that with three on-time payments my card would be restored for use so that I, who have never had a credit card myself, could finally use it in case of emergencyAfter making six on-time payments, I'm still getting the run-around and have no access to the card

Revdex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I see you was able to find the papers that I was told was lost that stated it was paid by other means which states on the paper CASH If you was not going to do that Sea Mist was going to say then why was a way call even done? They said you needed to speak to someone in the accounting dept Which you never called them After I opened this up with the Revdex.com you keep calling me Which should have never been done that's the whole reason getting in touch with the Revdex.com I don't have hours to spend on the phone with Capital One I'm not paying this charge again when I have already paid for it I will file [redacted] before I pay Capital One this! Regards, [redacted] ***

Revdex.com: I have reviewed the offer made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Based on your reply - why then did CAPITOL ONE BANK give me permission to charge the card? If there were any issues I should have been told not to charge the cardThe directive came from capitol one and capitol one is ultimately responsible Regards, [redacted]

The hold time, when calling via phone is extremely long Customer service is poor on follow upI am unable to check my account online via my *** phone, or on app; hence the need to call inI can only check on a computerI was told someone would contact me within hours to resolve the matter, and that was weeks agoI called again for another issue, and a rep stated they would make a note of it, and I would have to call back in to a different departmentSo I have to call back in and wait on hold, just for a technician to play trial and error I now know that I had it good at [redacted]  and plan to go back once my affairs are in orderThere was not one perk in joining Capital OneI thought because I have a Capital one account the transfer process would be fasterNo, its like any external accountI started the process of opening the new account via phoneWhen I asked the rep how long the transfer process was between the accounts , he stated he did not know, but assumed it would not be longHe said he would put me on hold to find out, but we were already on the phone entirely too longHe kept putting me on hold to complete the initial process of opening a checking accountThe rep said that starting the process over the phone would save me time when I go to my local branchWrong! I had to do everything all over againNothing was savedThe information the rep in the branch had was old information from credit cards I am more satisfied with my accountHold time is shorter when I call, and they follow up if there is an issue with the accountAnother issue is, the atm and bank set up is inconvenientIn the drive in area at my local bank, the teller is right before the atmSo I have to wait until someone finishes with a teller to go to get "quick" cashThat eliminates the convenience of the process, when you do not want to get out your car to get cash Lastly, I have credit cards with capital one, and I have been satisfied with my experienceUnfortunately, I have been unable to make minimum payments because my unemployment benefits have exhausted like the many million unemployed people in this country That is not an excuse, just a factHowever, the way I am made to feel when a rep brings this up when I inquire about my CHECKING account is insulting I have a problem with my checking account, and my credit card issue is brought upYet, my issue has not been resolved with this checking accountIt makes me think I am being targeted due to my inability to payThis has been a rough year, and the choice to leave my primary bank of years was not easyI had to because I needed to I don't think I have ever been this dissatisfied with a company, and honestly my heart is brokenI have a bachelors and a Masters degree, and I can't secure gainful employment at this timeI have enough to deal with trying to keep my car, my home, while only working part timeThe last thing I need, issues with a checking accountI will be taking my business elsewhere

Capital One® PO Box Richmond, VA 23285-December 30, [redacted] [redacted] *** [redacted] *** Re: Accounts ending in [redacted] *** Capital One Case: [redacted] Revdex.com No: [redacted] Dear [redacted] I’m reaching out to you about your submission to the Revdex.com (Revdex.com) regarding the information we’ve reported to the Consumer Reporting Agencies, and the status of your accountsWe made the decision to close your accounts on August 31, We appreciate the additional information you’ve provided; however, after further review, I can confirm that our decision will not be reversedWe sent letter a letter for your account ending in [redacted] on September 1, 2016, and a letter on September 7, 2016, for the account ending in [redacted] (copies enclosed)We also understand you would like us to report your accounts with a positive statusOur records show that your accounts are reporting as pays account as agreed and closed by credit grantorOn the account ending in ***, the account is reporting a 30-day past due payment for October We confirmed that we’re reporting accurate information, and are for this reason respectfully declining your request to change the information we are reportingMinimum payments are due on all accounts that have a balanceOur records show the following actions took place on your account ending in ***: • An AutoPay payment of $ [redacted] posted to your account on August 24, • An additional payment of $ [redacted] was made through our mobile app on August 25, • We sent your monthly statement (which had a credit balance due to the payments on August 24th and August 25th) on August 27, • Your $ [redacted] payment returned on August 30, 2016, which caused your account to have a balance and become past due • We sent your monthly statement on September 27, 2016, which showed a new balance of $ [redacted] with a minimum payment of $ [redacted] due by October 24, • Your account became days past due when your October payment was not received © Capital OneCapital One is a federally registered service markAll rights reservedGenerally, once an account is closed and the balance is paid to $*, the security deposit is refunded and a check is mailedBecause your account was not paid in full after it was closed, on November 2, 2016, your $ [redacted] deposit was applied to your account ending in ***This created a credit on your accountWe mailed a refund check of $ [redacted] on December 27, Please allow up to days to receive the refund checkWe were unable to find any calls where you were provided the information you stated in your complaintAs of the date of this letter, the balance for your account ending in [redacted] is $ [redacted] Please continue to make payments until the balance is paid in fullIf you have any questions or concerns, please call 800-955-I am available Monday-Friday from 7:a.m.-p.mPTWhen contacting me, please use [redacted] as the 6-digit PIN when promptedMy 7-digit extension is [redacted] I’m glad to help any way I canSincerely, Lola L***, on behalf of Capital One Enclosure cc: Revdex.com

Dear [redacted] , We are responding to your correspondence received by the Revdex.com and our conversation on January 9, 2017, regarding your account Thank you for taking the time in speaking with me and clarifying that your request is to settle your account and not to review your statements to identify possible unauthorized transactions on your accountPlease note our Fraud Department is happy to assist; however, without knowing which transactions are unauthorized we are unable to file a fraud claim for investigationOn November 2, 2016, we received your payment of $ [redacted] This payment was returned on November 9, 2016, for insufficient fundsOur records show that your account was enrolled in a Debt Management Program on July 9, 2015, with monthly payments in the amount of $***Unfortunately, we do not have other payment assistance or settlement offers available at this timeWe understand you would like us to delete your account from the Consumer Reporting Agencies (CRAs)We have confirmed your account is reporting correctly to the CRAs as closed by credit grantor with a balance of $ [redacted] and days past due in December For this reason, we are unable to delete the reporting© Capital OneCapital One is a federally registered service markAll rights reservedIf you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from a.m.-3:p.mPTWhen contacting me, please use [redacted] as the 6-digit PIN when promptedMy 7-digit extension is [redacted] I’m glad to help any way I canSincerely,Patricia M [redacted] , on behalf of Capital One cc: Revdex.com

Revdex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted] , 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, [redacted] ***

Revdex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted] , 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 has not yet provided a solution in their messageSo I am waiting Regards, [redacted] ***

NEVER! USE CAPITAL ONE! The absolute worse bank next to *** bank to deal withCustomer service that is no helpin fact never dealt with one that knew thier rear from a hole in the groundAnd when u try to refinance because your absolutely fed up dealing with them they give u a day payoff then take 20-days to process then hit u with late fees and daily interest to suck more money out of youIts hard to be a blue collar worker which is the backbone of this country when everything is ran by crooked corporations that payoff senators to overlook the big issues like these

Crapital one has another unsatisfied customer! Imagine that!! I've had my auto loan through them and when I went to refi with another lender with a *** of a better rate, things went down hill fastIt's been days since I signed papers to refi and the check for the pay off was sent that dayBut with Crapital One, they haven't gotten anythingI signed my title to the new lender and everything and now Crapital thinks I owe them moneyNot happeningThey call every freaking ten minutes wanting to know where their money is and everythingThey are no help when you do ask questions, most of them are dur-da-durs on the phone, most of the people are rude, some don't hardly speak english, and when you want to speak to a supervisor or manager, good luckI will never go through these a-holes again for anythingNot a car, not a credit card, nothingIf I can't pay cash I don't need itThis company can fall off a cliff for all I careLook at your options for when you do need a loanJust don't give your business to them ever

The problem has been solved thank you

Hello,Please see attached Judgment release documentWe apologize for not attaching this previously.Sincerely,Erika D***, on behalf of Capital One

Revdex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I spoke with [redacted] on WednesdayHe informed me that the late payments are accurate and they would not be able to remove them from my credit reportI have never questioned the accuracyThe report is accurateI would like to have them removed because I believe they are hurting my credit score, and it has been well over 1/yearsI have kept my account in perfect standing since thenI know that they are able to request at any time that the credit bureaus remove them, and the bureaus typically adhere to the company's' requestsIn fact, I have another creditor who removed a late payment from the same time frameIt is inaccurate for them to say they are unable to, and is also poor customer serviceI have had this particular credit card for over years now, so I would expect better customer serviceAlso, I remembered some additional details after reporting this, and I brought them up with NickAfter being late the first months, I was able to make an arrangement with Capital One in order to get caught up on the minimum paymentThey agreed to not charge late fees for months in order to give me a chance to get caught up, and the agent even outlined approximate monthly payments to get me caught up before late payment fees resumedHe never mentioned anything about reporting additional late payments to the credit bureausNot only did they continue reporting them, but then they dinged me with a day late paymentCome to think of it, that day is probably inaccurateI made a payment every single one of those months, so even if the last one was late it would be only days lateI will most likely cancel this account after I pay off the card if these late payments are not removed from my credit reports Regards, [redacted]

Dear [redacted] We recently spoke to you about a Revdex.com (Revdex.com) complaint escalated to our Executive Response Committee (ERC)We wanted to provide you with an update in writingPlease see below for a summary of your complaint and how we responded to it: Summary of Complaint: The referred complaint was in regards of a dispute with [redacted] ; you were charged an amount of $*** which was not part of the arrangement you had with themYou requested to have your card canceled, however, the agent you spoke to omitted to cancel itTherefore, you were charged an additional amount of $ [redacted] by the merchantOur Response to Your Complaint: During our conversation, we explained the [redacted] dispute processYou were transferred to our Fraud department who disputed the transactions and charged back the amount to the merchantAs a gesture of goodwill, we have applied a credit of $ [redacted] to your accountPlease accept our most sincere apologies for the agent’s error and for the overall experienceIf you’re not satisfied with our response to your complaint, you can escalate it to the Capital One [redacted] The Capital One [redacted] can be reached in the following ways: Email: [redacted] Mail: [redacted] ** [redacted] *** Toll-free Fax: [redacted] Please note that if days have passed since your complaint was received by the ERC (as noted above), you can also escalate it directly to the [redacted] for Banking Services and Investments (OBSI)The OBSI can be reached the following ways: Capital One Bank ( [redacted] Branch) has a complaint resolution process in placePlease visit www.capitalone.ca/concerns for detailsIf your concerns are regarding our compliance with federal consumer protection law, public commitment, or industry codes of conduct, you can contact the Financial Consumer Agency of Canada at its office at [redacted] ***, or through its website at www.fcac-acfc.gc.ca.© Capital One Bank [redacted] Branch)Capital One is a registered trademarkAll trademarks used herein are owned by the respective entitiesAll rights reserved.Capital One Bank ( [redacted] Branch) [redacted] Toll-free Telephone: [redacted] TTY Telephone: [redacted] Email: [email protected] Mail: [redacted] [redacted] *** Toll-free Fax: [redacted] Thanks for contacting Capital One®Sincerely, KS*** Executive Response Committee Capital One Bank (Canada Branch)