Capital One Financial Corporation

I am financing a auto loan through capital one, when I purchased the car the total amount on the bill of sales was 12,this is a used vehicle, I have been paying on the car since February 2010, it is now Dec And I am still paying so, I called them and told them I have been paying you a month for this vehicle for the past years and according to my calculation this vehicle should be paid for, they told me that I still owe them 6,more dollars due to principal and interest, so you telling me I have to pay double for the car, so I will be paying 24,for a used vehicle, which had to have a motor and transmission replaced after one year of purchasing and now the engine is leaking oil...really Capital one is scam...DO NOT GET ANYTHING through them

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. *** *** *** *** ** *** ***

Re: Account ending in *** Capital One Case: *** Revdex.com Case No: *** Dear *** *** ***, I am reaching out to you about your complaint to the Revdex.com, about information we reported to the Consumer
Reporting Agencies (CRAs), like *** and ***We value your feedback, and we’re glad to share more information about this. In your complaint, you referenced three account numbers as follows: ? *** ? *** ? *** My research confirmed the above accounts are all one and the same; they are account ending in ***, as referenced above. After reviewing your account and credit reporting information, I found that we are not reporting the account to the CRAsOur records show that this account was not included in the transfer of accounts to *** Card Services, N.Awhen Capital One purchased most of its U.Scredit card accounts on May 1, *** may still be reporting this account and/or the first date of delinquencyPlease contact them directly at ***, for further assistance. If you have additional questions or concerns, please contact me at 800-955-I am available to assist you from the hours of 8:a.mto p.mPT, Monday through Friday. Sincerely, *** ** ***, 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 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 *** ** ***, I am writing in response to your complaint filed with the Revdex.com (Revdex.com) about a credit balance
refund check you received and cancellation of your insurance with Health Extras. I appreciate the opportunity to review and respond to your concerns. Beginning on May 8, 2002, a transaction for * *** *** *** appeared on your monthly statements in the amount of $A payment each month for the amount of the insurance was also applied to your accountBeginning on October 28, 2004, the transaction began billing as Accident Protection Plan in the same amount and with the same phone number as the previous transaction. The amount billed for the transaction increased to $on December 30, 2004, to $on July 26, 2005, and finally to $on January 29, Each month a payment was received for the amount of your coverageBecause Capital One does not have an affiliation with ***
***, we cannot provide a reason for the cancellation of the coverage or an explanation as to why they stopped billing you for their product. When the last payment of $was applied to your account on February 2, 2015, a credit balance of $remained on your accountA credit balance refund check was mailed to you on February 12, 2015, in order to bring your account to a $balanceI attempted to contact you by phone to complete a conference call with Health Extras, but I was unable to speak with you. If you have additional questions or concerns, please give me a call at ***, Monday through Friday from a.mto p.mETI’m glad to help any way I can. Sincerely, *** ***, 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 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: [email protected]
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,
*** ***

Tho whom it may concern,Capital One has resolved this matter to my satisfaction. Please contact me should you have any questions or concerns.Thanks,*** ***

This is outright falseI have a file that lists all the flight and schedule changes from Capital OneI have multiple emails from Capital One showing the filight schedules and changes***
was only used to rent a carCapital One booked the flight*** *** even has a file where Capital One booked the flightsThis is a disappointing response
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
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***
I want to thank capital one for its quick responseThe fact that they said documentation was sent and never received by me more than day later, has lead me to file a formal ROI (REQUEST FOR INVESGATION) with the *** *** *** ***. As I have not received these documents I request that they now be sent to me. Second I was informed by a capital one rep that the other two incidents and I do not have proofAgain as it was a company rep. that advised me I suggest that the information is in there possession

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 response is inaccurateThe 0% interest rate was offered on correspondence that was mailed to me from Capital One regarding a new *** *** credit cardI also saw the 0% interest rate offered on the Capital One website.Click on the link below*** card holders were offered 0% aprI was issued a *** card.
*** ***
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***

Dear Mr***: We are writing in response to the complaints that were forwarded to us from the Consumer Finance Protection Bureau (CFPB) and the Revdex.com (Revdex.com) about your Capital One account ending in ***We understand you don’t agree with our
Funds Availability Policy when a new account is opened. As explained in our email to you on March 2, 2015, we reviewed your account and confirmed that on February 11, 2015, you requested to open a Savings accountWe confirmed that during your web session on the “Before You Start” section on the “Open Savings” page, it was advised that the initial deposit would be on hold for business daysAdditionally, the web session from February 14, confirms that a request was submitted to transfer $90,from your *** *** bank account ending in into your Capital One Savings account ending in We confirmed that the “Transfer Money Confirmation” page advises the length of time funds are held when a transfer is requestedThe funds for your transfer were held until February 27, 2015. We take security very seriously, especially when we don’t get to meet our customers face-to- face as with the direct bank accountsIn order to ensure that information provided to us during the application process can be verified, we advise that the initial deposit be placed on a business day hold whenever opening a Capital One Savings accountAfter that timeframe, additional deposits are on hold for business daysThese holds are also partly because a linked external checking account has business days to verify that funds are availablePlease know that the hold times for Capital One Savings account are outlined in the Terms and Conditions for the accountTo view the Terms and Conditions, please visit https://home.capitalone360.com/terms_360savings. We hope this letter explains the situation, but if you have additional questions or concerns, please reach out to us at 888-464-or at [email protected]. Associates are available Sunday through Saturday from 8am until 8pm EST. Sincerely, *** *** *** ***, on behalf of Capital One

Dear Mr***,Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in theExecutive Office of *** for resolutionWhile *** has an established partnership with Capital OneN.A., we provide the in-house servicing for your *** Charge
accountAs it is my intent to provide ourvalued customers with quality service, I appreciate the opportunity to review and resolve your concerns.In your complaint, you state you attempted to make a payment using your My *** Charge accountonline access; however, the payment never posted to your *** Charge account because of anunknown errorYou are also requesting that we credit the $late fee charged to your account.Although the assessment of the late fee is consistent with our terms of agreement, we are happy to creditthe late fee as a courtesy to youPlease note that although we are crediting the late fee, the credit is notapplied to the payment amount due by your April due date, and the remaining amount of $isstill due by your scheduled due date of April 3, Please allow me to explain.Our records show your February billing statement indicated a $minimum payment was due byMarch 3, We did not receive a payment by the due date and a $late fee was charged to theaccountThe late fee, along with interest charges of $and a new transaction of $on March 3,2015, brought the new balance on your March statement to $This statement indicated aminimum payment of $due by April 3, 2015.On March 9, 2015, we received a payment of $via your My *** Charge accountThis broughtyour remaining amount due to $due by April 3, 2015, as explained aboveWe reviewed our recordsand were unable to locate a system error with our My *** Charge website during the time of yourMarch due dateWe apologize for any frustration this may have caused and want to assure youfeedback will be provided 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 ***

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,
*** ***
Capital One has refused to look into the issue stating their policy does not permit a real human being to look into such mattersI have credit cards with Capital One, I also have a checking account and two savings accounts at Capital One Today I have opened a credit card account and a checking account with Discover Card and will begin migrating all of my business to DiscoverAs their customer service continues to decline, customers like myself will be heard by their footsteps as they leave 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
They are not telling the whole truth about the reporting of the information. They have already reported that the credit limit was exceeded. Their response states they are not reporting to the credit agencies. Also as this was a scam by a company on me they should have investigated more than a couple days. They also stated I told one of their representatives that I had purchased all the materials that were charged
to my card and this is as I have never told any of the representatives that this was done by me solely.
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.They document they made inquiries of my credit bureau accounts That supports my complaintHowever, from to current I have not applied for an auto loan Due to this they made inquiries of my credit bureau accounts without my permission and without a legitimate business purpose
Please cause them to delete their inquiries from my credit bureau accounts as this is harming my credit
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 that ***’s closed your account without notification, and when you called to inquire why, we were unable to provide you with a clear explanationYou ask for an apology as well as the re-opening of your account. Upon review of your account, our records show that on May 2, 2015, you contacted us to request a credit line increaseAfter successfully completing the credit line increase, it appears that your account was closed due to agent errorWe apologize for any inconvenience this situation may have caused and want to assure you feedback has been provided to the appropriate area. On July 7, 2015, we re-opened your account at your requestAs of the date of this letter, your account is open and in good standing with a balance of $495.01. 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

*** *** ***Thanks for speaking with me about your complaint filed with the Revdex.com (Revdex.com),about your *** Card.We greatly value you as our customer and sincerely apologize for any frustration this may havecausedAs of April 30, 2015, we credited a total of
43,rewards miles to your account.On February 2, 2015, you called us to inform us your reward mileage was stolen and wasredeemed an e-card in the amount of $(20,miles) gift card that was sent throughemail.On April 22, 2015, you informed me you had yet to receive the 20,miles on your accountdue to fraudulent activityThat same day I provided a 10,miles reward credit to youraccount until we can further our investigation.On April 30, 2015, we confirmed this was our error and provided an additional 33,miles toyour accountYour rewards should be visible online within days, but could take up to twostatement cycles to post.You’ve helped us to identify an area of opportunity where we can strengthen our delivery ofquality service and for that, we thank you.If you have additional questions or concerns, please give me a call at *** Mondaythrough Friday from a.mto 4:p.mPTI’m glad to help any way I can.Sincerely,

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 received your email with the results showing from Capital OneI am disputing the fact in their rejection letter stated that *** *** doe not accept these "easy access" checksOn the contrary, they do according to the clerk that was on duty that nightAs I said before she tried many ways/times to get the check to load in their systemShe even called her supervisor who could not come up with a way either BUT the supervisor never said they do not accept access checks eitherCapital One quoted also the access check is connected to a credit card not an actual bank account (which is true) BUT the clerk and supervisor knew this as well but still tried to process the checkSo if what Capital One is saying about *** not accepting these checks then someone misled me that twice (that night at *** *** & by Capital One's brochure disclosure). In this case I believe *** *** since they tried their best to make it work Also, their letter states they listened to the calls made between us and still came up with their rejection responseI feel someone didn't pay close enough attention to the conversations that took place on WHY I had to use the actual credit card "on the spot"They certainly couldn't take my new tires off because it was after closing that day. Also, I feel their disclosure is "mis-leading" as I have provided proof to Revdex.comIt says nothing concerning the "retail merchant's" discretion on accepting these checksIt gives the idea of these checks can be used for "purchases" anytime, anywhere. Plus, their access checks disclosure states these checks are not to be sent to any bankrupt customers but in reality as I stated in my complaint, I am a former bankrupt * years ago and still received themThat's in violation of their own policy. Therefore, I am asking Revdex.com to re-instate my complaint/request once againI truly feel they can adjust the interest rate on a SMALL purchase balance of $*** based on everything said and done.Please let me know of the decision.Thank you.*** ***
***
Regards,
*** ***