Capital One Financial Corporation

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

[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,
*** ***

[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 *** *** ***, This letter is in follto your Revdex.com request for validation of the account, payment arrangements, and to delete the account from your credit file with the Consumer Reporting Agencies (GRAs)I have information to share. A review of
your account shows we received a letter from you dated April 2, 2015, requesting for assistance with making payments on the account due to a hardshipOn April 10, 2015, a letter was sent to you advising you to contact *** *** at *** as they are the new owners of the account and can assist you with payment arrangements. Due to delinquency, your account charged off on November 3, 2008, with a balance of $,040.56, and sold to *** *** on June 22, Capital One is no longer reporting your accountThe debt buyer *** *** may still be reporting the accountPlease contact *** *** at *** for any questions or concerns regarding the account. I have confirmed the account was opened on March 9, I have enclosed a copy of the applicationThe application has an address listed of *** *** *** * ***, California ***This address has been linked to you through public records from February through October For your view, I have enclosed a copy of the application and copies of statements from September through October 2008. 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 number available: ***I'm glad to help any way I can. 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.The transcript reviewed was of the chat I am complaining about and only further deepens my resolve in this matter.There isn't a way to chat with someone prior to opening an account because you need to sign in to chatthe conversation in which I was assured I would receive a larger credit line occurred before I opened my account and was verbal but I will provide the transcript upon request &/or the recording.The reviewed transcript is what initiated my complaint that capital one representatives treat customers differently and mislead them once they open an account.As far as the cardholder agreement goes, there is no mention of additional depositsin faact, I chatted with a Dallas last week who spent minutes trying to find where it says that I will only get my dollar amount back in the form of credit and he could only find it in the FAQ section which isn't part of any agreement.While I appreciate the offer to refund my $700, I hope you'll understand why I find that to be an unsatisfactory offer.Thank you in advance for your attention to this matter.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 have gone through this process directly with Capital One previously and I am suspect of the wording of their letter.. The letter Capital One sent states they will no longer mail to "*** ***." However, I've received email offers from Capital One addressed to:** ***
** ** ***
*** ***I would like all options of my name removed from their mailing lists as well as all options of my wife's name who resides at the same address: *** *** Avenue, ***, IA *** removed.*** ** *** ***
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 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
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,
*** ***

Capital One made it unreasonably difficult to activate a card I had been approved for after validating my identity because I had a different billing addressI have been in the USAF for years and I have never had this kind of issue beforeMy home of record hasn't changed since enlisting and no other company of any kind has raised the issue of residential verification it's taken over weeks of conversations over an hour before they asked me to reapply for the exact same card

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

[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,
*** ***

Thank you so much to April for taking care of thisI see that my account has been opened back upIt is unfortunate that I had to submit to the Revdex.com to get this taken care of, but I am very pleased
that the account has been opened back upThank you for your help and assistanceRegards,*** ***

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,
*** ***

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

*** *** ***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.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,
*** ***

Capital one does not provide a process to the public for database corrections to erroneous mail addresses for credit card offer solicitations After about hours of effort online, by phone, and in person at a branch, having received four "preapproved"-type offers for an unknown person, having returned the second as "addressee unknown" and been advised a case file would be created and response provided, nothing A court case deposition filing on-line indicates Capital One does not assure correction of mailing list addressee errors in response to public requests

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,*** ***