Capital One Financial Corporation

Revdex.com, I apologize I didn’t realize there was more for me to do. ***’s apologized and reopended my account. I’m 100% satisfied with ***’s and the Revdex.com. Thank You for your help. *** ** *** **

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
There is no guarantee that the business will respondThey have refused to respond to documents sent by my attorneysTherefore, their response must also CC the Revdex.com in days*** told us that the business does not need to provide a mandatory response in days and that a response is optionalWE NEED ANSWERS
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
Capital One still is not agreeing to thier advertisementAs I told the representatives I am not talking about my current credit card but the credit card and terms advertisedPlease see below:Required Security Deposit
$49, $or $refundable deposit based on your creditworthiness As you can see below it states the security deposit will be refunded not when you close your account but when you are credit worthiness,
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'm sorry but these are not all the names I asked to be removed. I also listed my that the variations of my wife's name be removed. In the past, she has never received offers, however, since I started this complaint process last month to have my name removed, my wife is has now started to receive offers in the mail. In my last response, I requested that the following names be removed and I am asking again, the name variations are:*** ***
*** ** ***
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 does not properly address the nature of my complaint and indicated in writing the business establishments refusal to provide the consumer with information pertaining to the accountThey indicated that only law enforcement is privy to contact information on my personal consumer account and that is incorrectWhen in fact, that is a violation of my rights as a consumer and the complaint will be forwarded to the com controller
Regards,
*** ** ***

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID 10391855, 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.]
I did speak with ***, and granted, she absolutely refused to be of any help and I informed her I would escalate it with the Revdex.com, FTC, FCRA, CFPD and possible legal suitI also asked, several times, for *** to escalate the issue, and she stated she is the highest person to escalate I was not sure she was the CEO?
Unfortunately, Capital One has not complied to ANY of my complaints, INCLUDING:
Adjusting the late payment on ALL CRAs to REFLECT NO late payments(3rd request)
Put ALL accounts under one login (4th request)
Have paper billing on ALL accounts (4th request)
Not only this, they did the SAME THING to my wife's account! Which will be disputed shortlyIf they wish, I will escalate to the Consumer Financial Protection Bureau, along with the FTC.
Honestly, I am so sick and tired of Capital One, that not only I am considering closing the accounts, but also going after them LEGALLY
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: ***
P.S This Company has provided outstanding serviceI would give them stars on promptness, communication and ability to resolve my issuegreat job and keep up the good work
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 made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meThe business has provided a work
around technical solution that has resolved the technical issue from my endI would like to add that at all times every representative I have spoken too has been incredibly friendly and helpful within their own scope of responsibilityTo that I can't faultIt's a shame that follow up from numerous communications however was not forthcoming (when I was advised it would be) with out me having to file the initial complaint with the Revdex.comAlbeit it an unreasonable time frame for a resolution, it is a resolution none the less, so 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
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***
I would like to point out that this issue began when Capitol One blatantly lied and said that I had never made payment arrangements to begin withAccording to my credit file I have been reported as being late since at least November My first payment was made on timeWhen I made this complaint I was already being reported as 90+ days late (by Capital One)That is a violation of lawAlso my complaint has absolutely nothing to do with what has been discussed here I have already stated that I am aware the late payments discussed. What I have complained about is clearly stated in my credit file I have detailed the reasons why I am late at this pointI have also added statements to my credit file myself To explain the situation As is my right under the law I have secured a way to bring my balance current by the end of February So I will not need to make further arrangements at this timeI will however take whatever measures legally necessary going forward under the law to have my credit accurately reported by Capitol One

My mother opened an account with my assistanceCapital One never disclosed any annual fee We received the bill and saw annual fee which the rep voiced he could not remove and if we would like him to close accountI replied if hard credit inquiry was going to be removed due to fee not being disclosed? He was rude and said, I believe I answered that question alreadyI replied no and asked to speak to a supervisor He passed me through to a supervisor named Renika, very rude rep #VX-RShe began to read the cancellation agreementI voiced the previous rep had already read and I would respectfully decline she voiced it didn't matter and she needed to read it She proceeded to read, soon as I told her I was recording she was like, I didn't consent to being recordedI replied I didn't consent to having disclosure readShe began attempting to shout over me and hung upTerrible place! I will follow up to see if their cooperate office does anything about this in the AM Never had this issue with *** nor *** ***!!

[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
Capital One has not yet provided a solution in their messageSo I am waiting
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 responding to the complaint received by the Revdex.com about your account due date, the posting of payments to your account and billing of fees to your account. Thank you for the opportunity to address your
concerns. I understand you have some concerns with the way your payments are being applied to your account and do not understand why you were billed a past due fee for the month of January 2015.Allow me to clarify the following information for youYour payment due date is on the *** of every month and your statement closing date is usually on the *** of every monthAlthough your payment due date does not change your statement closing date can vary depending on the number of days in a monthThe variation of this date allows your due date to remain the sameI apologize if this was not explained thoroughly during your previous contacts with us. After a thorough review of your account, we found no errors in the billing of your account or posting of your paymentsUnfortunately, we are unable to apply additional payments received within the same billing cycle to your next month’s billing cycle. When we reviewed your December through February billing statements we verified the following: Your December 3, 2014, statement had a balance of $and reflected a minimum payment due of $by December 28, 2014. x On December 9, 2014, we received a payment in the amount of $220.00. x On January 2, 2015, we received an additional payment in the amount of $220.00. We do not have a current payment plan in place that allows our customers to make payments in advance of their statement closing dateOur customer agreement informs our customers that in addition to making the minimum payment on an account, you may pay all or part of the total balance on your accountHowever, you must still pay at least the requested minimum payment amount reflected on your statement each month, even if you paid greater than the minimum on a previous statementYour account is assessed a past due fee of $to $35.00, when we don’t receive the requested minimum payment by the payment due date of the *** of every monthPayments have to be received before the cutoff time, which is p.mET, if you are making the payment on the day your payment is due. These payments covered your minimum payment due for DecemberAny payment amount more than your minimum payment amount was applied to the account balanceI have enclosed your statements for December through February 2015. Your January 2, 2015, statement had a balance of $The above payment credits appear on this statement which reflects account activity from December 4, 2014, through January 2, 2015, and your statement asked for a minimum payment of $due by January 28, 2014. Since the requested minimum payment was not received before the due date, your February statement reflected a late charge assessment of $on January 28, As a courtesy, our Customer Service Department credited your account for this fee on February 3, 2015.I hope this letter helps to clarify any confusion about your account due date or statement closing dateIf your intent is to make a payment for your current month’s due date; please ensure that your statement has already closedYou may find some of our online banking tools helpful for managing your statements and paymentsFor more information on features like automatic payments and payment-due alerts, visit www.capitalone.com. If you have additional questions or concerns, please give me a call at ***, Monday through Friday from a.mto 3: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: ***
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,
*** ***
Thank you so very much for your service! Its appreciated.I received your letter in response to my complaint re: Capital One Financial Corp. ID ***.This company did reply with a ridiculous reply $a month in interest is what they said must be paid and there is nothing I can do about it. I explained that my daughter is a heroin addict (God help us all with this addiction in America) and I now have custody of my granddaughter and things are very very tough. I realize my problems are of no concern of theirs or anyone's for that matter but I had some HOPE of help. But she said that not much can be done for me. ALSO...as I said my first concern was that I spent over ONE HOUR on the phone to resolve a fraud issue on my account and was never assisted. No one could speak good English nor understand me. All were from a foreign country. Not to criticize them at all but English was not something they spoke well nor understood English well Capital One(Shannon G***) said the reason for the long wait on the phone was that I was continually disconnected. THIS IS ABSOLUTELY NOT TRUE. I held on the phone and was transferred over and over again to no avail.Again....thank you for your time and your service at the Revdex.com. It is appreciated way more than you realize....Even if nothing comes of this I am thankful to your organization. So sad today that all these jobs are shipped overseas and the service we receive is less than adequate. Again, I am not by any means criticizing anyone overseas but as a struggling year old single woman trying to make ends meet and caring for my year old granddaughter times are so sad to even get decent customer service or any help for the average American citizen. Company's are just interested in making more and more money And I truly keep making my payments.Many Blessings,*** ** ***

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 Just because they claim not to be able to find the offer, does not mean it was not offered Capital I did not keep their initial promise to the upgrade Instead, they kept me on a service that charges an annual fee without advising otherwise Now they've created a new complaint, Capital I MasterCard did not provide a definitive answer when asked, how long will capital I retain my personal info on a closed account?' The answer provided was not just unacceptable, but a direct violation of my constitutional rights and my consumer protection rights
It seems Cap I is not providing proper training to their staff regarding regulations & consumer protection
Regards,
*** ***