Capital One Financial Corporation

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

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 did not even address the main issue of the complaintThey only stated facts that were already well knownThey seem to be avoiding the issue at hand
Regards,*** ***

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.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,
*** ***

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: ***.Thank you very much for your assistance!!
Regards,
*** ***

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 me
I 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: ***The enclosed rate renewal package supplied by Capital One does not reflect the waiving of the renewal fee that they agreed to in the letterI assume I will need new loan agreement documents so that I can accept, sign and return without any misunderstanding
Regards,
*** ***

Dear *** ***:
We are writing in response to the complaint that you filed with the Revdex.com (Revdex.com) regarding a check that you recently cashed at a local branchWe understand that a check from your son was scanned for the incorrect amount and you would like for us to
credit your son's account the $differenceWe value your feedback and hope to address your concerns
We have reviewed your account, and our records show that you visited the Capital One Bank branch in Spring, TX on September 39, 2014, and filled out a counter withdrawal slip to withdraw $from the account ending ***Additionally, two checks were cashed, both of which scanned for $Research confirmed that check #***, drawn off a *** bank account, was written for $
We apologize for any frustration this matter has caused you, and have issued a $credit to ***In order for the credit to post to your son's account, he will need to provide the following reference number to ***:RF*
Hopefully this letter explains the situation; but, if you have additional questions please contact me at ***, ext ***
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,
*** ***

They advertise 0% for months and then charge interest on chargesI will never use this card again

[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,
*** ***

The regional rep from Capital one was very helpful and he has assured me that the individuals that pushed there limit with me have been spoken to and there way of solicitation from old
purchased records from long ago credit cards will be reviewedThank you Revdex.com
*** ***
[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 completely understand the reason behind the decision that was made and that there is nothing that I can do to change this decision However I do believe that the decision was unfairly made, based on outdated information I do not agree with nor do I accept the decision that was made Therefore I am requesting that my complaint stand as being an unsatisfied customer.
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 was told by Capital One before (perhaps two years ago) that help wasn't available for current accounts Things got tougher and the account got a little behind this year So when I reach out for help I'm told if I can make a $*** payment (which is a lot of money that can pay several bills) to get current help would be available So I forego food for the week to scrape together the money to ultimately get some relief and I find out I've been lied to All I keep hearing is "no offers are available" for my account I've been run around enough, I will not accept this offer I'm not playing any games, and that includes going through an automated system to try and speak to a rep who is going to tell me the same thing and then be transferred to a supervisor, who is going to tell me the same thing I plan on paying this account off and closing it, an annual fee is ridiculous considering all the interest you've made off of meThere are much better credit card companies out there who offer lower rates, no annual fees, better rewards, and are willing to work with their customers.
Regards,
*** ***

In I applied for a secured credit card with capital one and I was approvedI paid on time for every month and I have a perfect payment history for years straightI spent years trying to apply for a unsecured card once in and in and they refuse to approve meI put in a lot of time and effort trying to build my credit score with them and all they want to do is waive my annual feeThey said I would get an increase and it has been a year and nothingI don't get any rewards and no benefits from banking with themSometimes I think their prejudice against me because I have a low incomeNumerous times I recall thinking to myself wow capital one doesn't do anything for me they dont want to give me anythingI used my last credit inquiry on themI finally got up the nerve to close my account and I am happier now knowing I'll be satisfied without the misery that capital one brings to my life

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
The reason why I am not satisfied with the business's response is that they have not provided any evidence or any kind of detail regarding my alleged application for credit with them and just claimed that it is "valid"Please ask them to provide competent evidence of my alleged application for credit with them
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 haven't been given my money Capital One took my cash and has yet to pay me back
Regards,
*** ***

Dear *** ***,
We have reviewed the situation explained in your complaint to the RevDex.com and would like to address your concerns.
We sincerely regret to hear that our blank check process did not meet your
expectations.
Our records confirm that your blank check package was sent to you via regular mail on
May 12, On May 22, 2014, you advised you had not received your blank check,
and we resent the document overnight via Federal ExpressOn May 30, 2014, your loan
was completed.
We regret any inconvenience this matter may have caused you; however we respectfully
decline your request for reimbursementWe thank you for your interest in Capital One,
and look forward to servicing your future financial needsIf you have additional
questions regarding your account, please contact us at ***

Dear *** ** ***, I’m reaching out to you about the concern you sent to the Revdex.com (Revdex.com) regarding your
applications for a Capital One credit card accountWe would like to share some information with you. As you requested, we reviewed your application again, and unfortunately we are unable to approve your application for creditYou will receive a separate letter within 7-days that explains the specific reasons. When we review an application, we look at multiple sources of information including but not limited to the handling of past or present Capital One credit accounts, Consumer Reporting information, and data submitted on an applicationUnfortunately, we are unable to offer you credit for the reasons we provided you in our original letters informing you of our decisionsForyour records, I have enclosed these lettersPlease review them, and find the reasoning as to why the applications were denied. We understand how frustrating it may be to be declined for an application and we want to help. We encourage our customers to contact the Consumer Reporting Agencies (CRAs), like Experian and Equifax, to find out more information about credit, and how you may be eligible for a credit cardTo assist you, we have provided the following names, addresses, and telephone numbers for the CRAs below: Experian Equifax TransUnion InnovisP.OBox P.OBox Corporation P.OBox 1534 Allen, TX Atlanta, GA P.OBox Columbus, OH 888-397-800-685-Chester, PA 43216www.experian.com www.equifax.com 800-888-800-540-2505www.transunion.com www.innovis.com EQUAL CREDIT OPPORTUNITY ACTThe federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection ActThe federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, G Street NW, Washington, DC 20006. 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 available: ***I am happy to help in any way that I can. Sincerely,*** ***, on behalf of Capital One

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,
*** ***