Capital One Financial Corporation

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.]
Firstly, the reason for my cli being declined is none listed on the website.Second, that payment return is completely the fault of capital one because they processed my payment through an account that did not belong to me that I did not authorize and I want that returned payment to be taken off of my record
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.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,
*** ***

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
You have acknowledged my complaint, but have done nothing to resolve itThe $credit limit increase you are referencing is one that I was entitled to for making my first payments on time for the *** card, and does not reflect anything having to do with the card combination process.It's very simpleCapital one is offering a service, denying me that service, and refusing to explain why I'm being deniedThe explanation of all the information being contained within the app is unacceptable The service is being advertised with the only caveats being publicly availableUnless all reasons for possible denial are made publicly available upon request, this falls into the realm of advertisement.
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
*** *** was sold a website by *** *** that does not function. The following facts about *** *** shows they are a disreputable company. Capital One is choosing to ignore these facts and continue to support *** *** in their charging for an inferior product:on
all documentation from *** *** to Capital One, there are no
names or signatures from anyone in the company The documentation was printed
all on blank pieces of paper with no business letterhead.They charged $per webpage they developed for Mom. This is extremely high There are pages for *** There is a transitions to ***
which is a prepackaged website for distributors Moms website is
selling Longevity products, here is the statement from longevity: The paperwork stated that my mom bought the website “***”. This website is a storefront for *** products. I called *** (***, Customer Support ***
account ***) and they said that did not have and had never had
any affiliation with *** ***. I asked what they charged for
a “distributor” website and they said $25.00. I asked about my mom’s
status, they said that she was a distributor and there had been no
activity, no purchases, and no logins to her account. There has been no
e-commerce on ***.
*** stated that they do not work or partner with Innovative
Designs - for distributor websites they provide their own web
development service. In
our efforts to find *** ***, the only piece of information
regarding *** *** identity was their address (*** *** *** *** *** *** ***) on one of the papers delivered to us
by Capital One. The address was that of a “suite” in ***. There
was no business attached to the address in a *** search. There was
no phone number attached to the address in a *** search. I finally
called the building manager (*** ***) and she explained that they were actually a mail forwarding service and not an office. She gave me the contact *** *** ***)
that was paying for the service. I called that contact and got no
answer or voicemail. The building manager then pointed me to the
website and I called the number on the website. The person
answered the phone with “hello” (“*** *** was not mentioned), I
asked if this was *** *** and she said “yes.” I began a
discussion with her that later led to speaking with the person dealing
with the charge back All of these events and the lack of letterhead or
names in the documents from Innovative Design provided to us by Capital
One, make the credibility of *** *** suspect.On
the *** *** website it lists the following people as
officers of the company* *** *** *** *** *** *** *** *** *** *** *** None of these names are found on
*** A *** search of these names shows them being in there same
roles in dozens of other companies companies all around the country
Obviously these are fictitious people invented to make the company look
official.The address*** *** *** *** *** ***, *** is a mail forwarding
service The mail is forwarded again to *** *** *** *** *** *** ** *** *** It appears this is another
mail forwarding service.At
close to the same time that *** bought the website from *** *** there was $dollar in charges from a website ranking
company called Impact Rankings Capital One conceded that the Impact
Rankings charges were fraudulent This leads me to believe that
*** *** and *** *** were working together
[Provide details of why you are not satisfied with this 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 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: ***
Of course they can find no record of the phone or e-mail contact complaints, they all seem to have gone the way of mysterious computer issues.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
As per my conversation with Capital One representative there was an issue with the online website in this case being my preferred choice of paymentPayment was made on effective due date based information displayed on mobile phonePayment was made on time and a confirmation was never received due to technical issue with Capital One websiteI request to accept your technical IT errors and modify past due remark on report as a Technical error from your websiteI have never had this issue before, therefore I strongly believe capital one was experiencing technical issues with their website and did not have notify me about 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
Please review and have Capital One to review the *** documents which I have submitted in response to its response from December
31,
Regards,
*** ***

Dear *** ** ***, I’m reaching out to you about your complaint to the Revdex.com (Revdex.com) about your concerns on your
accountWe do take your concerns seriously and I’m glad to share more information about this. As of June 8, 2015, we have credited your account for the disputed charge in the amount of $89.95, along with all the fees and Interest Charges that took placeYou will see these adjustments on your June billing statement. On June 9, 2015, we sent a request to the Consumer Reporting Agencies (CRAs), to remove the past due history reporting for February through May For your reference, the control number for this update is ***Please allow these agencies up to days to update their records. Below is a timeline of what took place on your account with the merchant (***). ? The merchant billed your account on October 23, 2014, in the amount of $89.95. ? On October 24, 2014, we submitted a Merchant Block Request (copy enclosed). ? On February 5, 2015, you contacted us to advise that you are still receiving products from the merchant, after you cancelled with them on June 13, We processed the dispute with the merchant and issued a provisional creditYou will see this adjustment on your February billing statement. ? On March 24, 2015, the merchant has provided a rebuttal to your dispute claim, we rebilled the provisional credit issued and sent you a letter (copy enclosed) requesting for additional information. ? On April 14, 2015, we received your correspondence response to the merchant rebuttal, however; you did not address the additional information needed for us to continue the dispute on your behalfWe sent you a letter (copy enclosed) to advise. After reviewing your account, we have no records of receiving your request to close the account on or around June Our records indicated the account was never paid off in June I have enclosed copies of all of the available statements on the accountThe enclosed statements will provide you with the progression of your account balance, purchases made, and payments postedAs of June 11, 2015, we have closed your account and it’s reflecting with a zero balance. If you have additional questions, please call me at ***, Monday through Friday from 9:a.mto p.mPT. 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: [email protected]
Regards,
*** ***

Capital One's disputes department is terrible My dispute went on for months back and forth Merchant had no proof of agreed amount or signature But Capital One wants customer to provide proof of non authorization Crazy My word was told and recorded by them when merchant tried to charge account Told them the situation They said they take care of it But that meant asking me more questions I answered them Then they send notice of chargebacks to my account I dispute these but they was fraudulent seeing that I did not authorize said amount They wanted it in dispute They keep it going back and forth they credit my account the money then they charge it back then credit it then chargeback then ask me for proof I didn't charge The person had no proof of authorization I just closed account and sent them my proof But it's crazy they don't care about the customer They don't believe you You gotta prove it while others lie and they take their word Never do business with them

[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 *** ***, *** states they turned their credit accounts over to Capital One*** point to Capital, Capital takes no responsibility, *** *** points to *** ***
I honestly have no idea what's going on
What I do know is its a MISTAKE by others at my expenseI hold everyone involved accountable until my credit is CLEARED! Thanks for the phone call
Thanks
*** ***

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.]
Thank you for sending me the letter to attempt to clarify what happened to my accountI partly consider your clarification correct about the fact that you should've not closed my account and consider it as an errorI also think that your apology is sincere
What I cannot accept is the fact that you still ignore my driver license different from other *** state residentsIn addition, your bank teller already verified my ID when opening the accountTo make matters more ridiculous, my other accounts, Capital with savings, checking, and brokerage accounts all used the same driver license for identification and never issued any concern or problem
As a result, I cannot accept your letter because you don't still admit your negligence or mistakes from branch managerI hope that Capital One, as a corporate and one of the big banks in the States, showed the full extent of apology as I originally requestedCovering your employee's negligence or lame performance is not what I cannot accept
Thank you
*** ***
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 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,
*** ***

[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
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***
I am not satisfied because when I seen the advertisement, it did not state only new customers it stated open up a checking account, apply direct deposits and put code promo*** & its was acceptedI opened me and my son a Checking with direct deposit, so I feel it's advertisement!

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.First off I have had to sit here for three weeks Because capital one never did send any documents until I mention it in the complaint they law firm never once try to contact me via mail nor did I have any idea why the debt was dischargedAND CAPITAL ONE HAS TO UNDERSTAND THAT NOW THAT IT TOOK THEM MORE THAN WEEKS TO PROCESS THIS COMPLAINT AND IN THAT TIME ANY TAXES THAT NEED TO BE PAID HAD TO BE PAID ON THE 18TH BECAUSE CAPITAL ONE TOOK SO LONG I AM NOW I AM LATE AND WILL BE CHARGED ADDITION PENALTIES AON UN PAID TAXESDOES CAPITAL ONE UNDER STAND THAT MY MOTHER DIED DOES CAPITAL ONE UNDER STAND THAT I HAD CONSIDERED TAKING MY LIFE TWO YEARS AGO WHEN I WAS DEALING WITH ALL OF THIS IN I WAS ADMITTED TO A PSYCHIATRIC HOSPITAL UPC IN WHEN SEVERAL POLICE OFFICERS CAME OVER TO DO A WELLNESS CHECKI HAVE WORKED VERY HARD TO GET ON WITH MY LIFE BUT FOR FIVE YEARS I HAD TO HAVE THIS HANGING OVER MY HEAD AND NOW I HAVE TO DEAL WITH THIS ITS ABSURDAND ALL THAT LADY OVER THE PHONE SAID IS I NEED TO CONTACT A TAX ACCOUNTWHAT NERVE DOES SHE HAVE WHEN I NOW HAVE TO TAKE MORE TIME MORE ENERGY TO DEAL WITH THIS AFTER EVERY TYHING I HAVE BEEN THROUGH SHAME ON CAPIT ONE SHAME ON THEM YOU HELD THIS UP YOU TOOK MY TIME THAT I COULD HAVE HAD TO RESOLVE THIS NOW NO MORE HARD SHIP I CABNT TAKE WHAT CAPITAL ONE HAS DONE AND THEY NEED TO RESOLVE THIS MATER IF I HAVE TO FILE THIS COMPLAINT WITH THE ATTORNEY GENERALS OFF IF I HAVE TO SUE THAN THAT IS WHAT I WILL DO BECAUSE I SIMPLY CANNOT GO THROUGH ANYMORE HARDF SHIP BECAUSE OF CAPITAL ONE.
Regards,
*** ***

According to Capital One, I was more than 30/days past due for my September 25, paymentIronically, my September payment was posted on September 25thTheir due datePayment confirmation number, ***They still reported me as being over days lateOn November 4, 2015, I was told that a negative charge would be removed from my account and not have it reported to the credit bureausYet when I received my annual credit report, the delinquent payment was assessed to my credit scoreInstead of disputing the charges with each of the credit bureaus, I called Capital OneI filed a dispute, case# ***I just received notice Capital One has resolved the disputeThey are not removing the delinquent charge because the information is correctThey also informed the major credit reporting agencies, to place a disagreement code with a resolution of dispute in my credit fileAlthough Capital One hires these reps, apparently they can not be held accountable when their employees lieHe is still gainfully employed with the companyAS SOON AS THEY MODIFY THE CONTRACT TERMS MY CARD WILL BE CANCELLED! WORST CREDIT CARD ON THE MARKET! STAY FAR AWAY!

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 says that, "respectfully," they decline any offer of compensationThis means that the approximately hours I devoted to this issue, over the course of weeks, due mainly to the fact that Capital One is understaffed, ill-run, and keeps callers on hold for in excess of minutes each time, will not be compensatedThey are also not compensating me for the hours and weeks of intense frustration I experienced while trying to deal with them--over issues that were entirely their fault. I find their response wholly unsatisfactoryEven if I were to be paid only minimum wage in the lowest-paying state of the country for the hours I lost dealing (or attempting to deal) with Capital One, this would still add up to a minimum of $130.
Regards,
*** ***