Capital One Financial Corporation

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my...

complaint.  For your reference, details of the offer I reviewed appear below.There are three components to this issue, the business (Capital One) has only addressed one of them.The correspondence regarding the actions taken to close the fraudulent accounts is satisfactory.
The second issue as to how MULTIPLE accounts could be opened fraudulently within a span of days is not addressed nor resolved, there is no recourse or recompense for their failures. In this age of technology there should be some mechanism or means to prevent multiple accounts attached to one personal (not business) SS# to prevent issues such as these from occurring. Telling the customer to place fraud notifications on the credit bureaus for the businesses failure to accomplish due diligence s not a solution.
The third issue and most frustrating, which received barely a passing mention in the correspondence is the horrible, rude, frustrating and inconvenient manner, method and means of Customer Service (or lack thereof) to address the businesses failures which allowed fraudulent accounts to be opened and used.
In total I had to spend more than 5 hours on the phone over multiple weeks and months to address Capital Ones failure to protect and safeguard my credit profile and information. 
I had to speak with numerous persons (many unintelligible) in numerous departments to not accomplish a single positive event.
It was only after contacting the Revdex.com that a representative form the business reached out to me that was able to begin to correct the process.
In closing I wish to have my complaint stand for others to see. 
Regards,[redacted]

Dear [redacted] I'm reaching out to you about your request sent to the Revdex.com (Revdex.com) about offers you indicated you may be receiving from Capital One.
"">I'm sorry for the frustration that this situation may have caused youI have confirmed that on July 22, 2016, a request was submitted to opt your business, [redacted]., out of receiving mail offers from Capital OneUnfortunately, when your business was opted out, the individuals associated with it were not. I removed you and your business partners name, your business name, and this address as it appears above, from our mailing listKeep in mind, if you were selected for any offers before we received your request, you may still receive them over the next several weeks. If you have additional questions, please give me a call at 800-955-1455, Monday through Friday from a.mto p.mETWhen contacting me, please use [redacted] as the 6-digit PIN when promptedMy 7-digit extension is [redacted], I'm glad to help any way I can. Sincerely,Samantha C[redacted], on behalf of Capital One cc: Revdex.com © Capital OneCapital One is a federally registered service markAll rights reserved

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], 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 indicates a copy of the lien release is attached, but I don't see it.  I would like a copy for my records please.A copy of the lien release paperwork they submitted
to the [redacted] County Clerk’s office on December 12, 2017, is enclosed.
Regards,
[redacted]

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my...

complaint.  For your reference, details of the offer I reviewed appear below.
Again, this account, along with others that were open around the same time under my name, are being disputed under identity theft.  My personal identification was stolen in 2007, and accounts were opened in my name during that year, and in 2008.  I discovered this when pulling my credit report.  This appears to be a case of identity fraud.  What is the phone number that has been linked to the account?  May I see the signed statement, as I didn't see it as part of the billing paperwork?  I was unaware of this account until I saw it on my credit report, and I immediately disputed it with Credit Bureaus, and have been disputing it since. 
 
Regards,
[redacted]

Dear [redacted], I am reaching out to you about the concerns filed with the Revdex.com (Revdex.com), regarding your credit limit being reduced. I’ve attempted to contact you...

by phone but I’ve been unable to speak with you. Please allow me to provide the following information. Our goal is to provide the highest level of quality service to all of our customers. We’re sorry to hear that the service you received did not meet your expectations. Please be assured that management has been provided the feedback. I understand you’re upset because we reduced your credit limit on your account. After a thorough review, we confirmed the credit limit on this account was reduced from $[redacted] to $[redacted] on November 1, 2016. We sent a letter on November 8, 2016, advising you of the account change. In addition, you stated that the reasons for the credit limit reduction were unclear. Below I have listed the reasons for the credit limit decrease, which were in the letter you received: • Recent proportion of revolving balance(s) to credit limit or high credit on Capital One accounts have been too high • Recent revolving balance(s) on Capital One accounts have been too high • Your average monthly payment has been too low compared to your balance • Recent usage of this account for monthly spend has been too low You also stated the reduction in your credit limit caused your account to go over the credit limit. I’ve confirmed that your current balance is $[redacted] and that you did not exceed your $[redacted] credit limit. The federal [redacted] prohibits creditors from discriminating against 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 [redacted] The federal agency that administers compliance with this law concerning this creditor is [redacted]. © 2016 Capital One. Capital One is a federally registered service mark. All rights reserved. Regrettably, we are unable to increase the credit line back to the $[redacted] credit limit. If you would like to apply for a credit line increase in the future, we offer three ways to request a credit line increase. They are all self-service options and in most cases, you can receive a response immediately. • You can apply online by logging into your account at www.capitalone.com. Click on the Services tab, then select the Request Credit Line Increase link and enter the requested information. • You can apply on your [redacted] or [redacted] by logging in to your account through the Capital One mobile app. Tap the Profile Pic to bring up the menu options then tap Settings and then Request Credit Line Increase. • You can also apply by phone through our automated system. Just call our toll free number: 800-257-1847. Once you are connected, it will begin asking you a series of questions for which you will simply speak your responses. You can also enter the information using your touchtone keypad. If you have any questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 9 a.m. to 5:30 p.m. ET. When contacting me, please use [redacted] as the 6-digit PIN when prompted. My 7-digit extension is [redacted] Sincerely, Robert D[redacted], on behalf of Capital One cc: Revdex.com

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID[redacted], and have determined that this proposed action would not resolve my...

complaint.  For your reference, details of the offer I reviewed appear below.This is not a duplicate case, this complaint has additional information and separate inquiries. I would like Capital One Financial Services to address my issues here.
Regards,[redacted]

Their ATM's have stolen my money 3 times and I had to wait to to receive the credit. On one claim they reversed the credit months later and just took it from my account out of no where.
No letter was ever sent and the credit rep isnt available and hasn't called me back. These people are thieves. They can just take your money when ever they want.
Absurd- save yourself and your money. You are supposed to be able to trust banks.

All I have to say of this company is they are a bunch of money hungry [redacted]. Recently in sending documentation from my bank they still refused to accept that as proof of payment was made on my account. After you send the information to them they turn around and then send a letter saying that the proof was not acceptable. They also make it very difficult because you cannot get a copy of the check sent because they process it as an ACH. So the bank has no copy of the check. The payment investigation department sucks and would not ever want anyone to apply for the card because all this company is a bunch of money hungry [redacted]. I will be taking my business elsewhere because of the crap you have to go through to get something straightened out. If they won't accept information from a print out from the bank then the investigation department needs to be shutdown and this company should be out of business because they are all is.

[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 [redacted], 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 resolved. If the company does not perform as promised I can get back to you at: [redacted].
Regards,
[redacted]

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], 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,
[redacted]

[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 [redacted].  While I do not find that this resolution would be satisfactory to me, I am going to close the complaint. I look forward to zeroing out my balances and closing both accounts with Capital One.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].
Regards,
[redacted]

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my...

complaint.  For your reference, details of the offer I reviewed appear below.
Please disregard complaint from further review, thank you.
Regards,
[redacted]

Dear [redacted], This letter is in follow-up to 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 hardship. On April 10, 2015, a letter was sent to you advising you to contact [redacted] at [redacted] 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 $1 ,040.56, and sold to [redacted] on June 22, 2009. Capital One is no longer reporting your account. The debt buyer [redacted] may still be reporting the account. Please contact [redacted] at [redacted] for any questions or concerns regarding the account. I have confirmed the account was opened on March 9, 2005. I have enclosed a copy of the application. The application has an address listed of [redacted], California [redacted]. This address has been linked to you through public records from February 2005 through October 2013. For your view, I have enclosed a copy of the application and copies of statements from September 2006 through October 2008. If you have any questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 4:30 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN number available: [redacted]. I'm glad to help any way I can. Sincerely, [redacted], on behalf of Capital One

Dear [redacted] This letter is in follow up to your concerns directed to the Revdex.com regarding the payment holds...

being placed on your account. I have information to share. I would like to apologize for the frustration that you have experienced while dealing with this matter. I have issuedetimes Capital One will place a hold on a payment to allow enough time to pass for yo a $50.00 credit to your account for the inconvenience. This credit will appear on your August 2015 statement. I understand it can be frustrating to make a payment and then not have the funds immediately made available to you. Somur bank to process your payment. You might see that your bank authorized the payment, but since it’s electronic it will take a few days for the payment to be cleared. For this reason, when you contact Capital One we have to process a conference call to your bank to release the funds. I have reviewed your account and confirmed your account was handled correctly. We found no errors with how the payments were applied to your account. While we cannot guarantee if holds will continue on your payments, there are a few things that you can do to reduce the likelihood of having a hold placed on your payment. ? Continue making payments on time ? Avoid having payments returned ? Avoid making payments greater than the credit limit ? Avoid over limit status on the account ? Use the same bank account for payments If you have any questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 8 a.m. to 4:30 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy to help in any way that I can. Sincerely, [redacted], on behalf of Capital One

On Saturday, April 5, 2014, I called Capital One to pay my balance over the phone. I took a loan from my 401(k) to pay Capital One and another lender. The amount owed to Capital One was approximately $4,800.
I used my debit card to pay the balance. I was told that the transaction was declined and that they needed my checking account information. I provided this information, and thought the situation was resolved.
Immediately after the phone conversation with Capital One, I checked my bank account online and saw that the debit card transaction was not cancelled. I called the bank to make sure of this, and they confirmed that not only had the debit card transaction been approved and the funds withdrawn from my account, but there was also a pending checking account transaction from Capital One in the same amount.
I requested a conference call with Capital One, my bank and me so I could ensure that the situation was resolved. I was ensured that the second transaction would be cancelled, and that $4,800 would not be deducted from my bank account twice.
This morning, sure enough, the second transaction cleared. I called Capital One and spent hours on the phone. First, I was told that they could refund the debit card transaction, but that it may take up to 60 (yes, SIXTY) days to process. I am sorry, but that is unacceptable. If I make my payment 1 minute after it's due, I am charged a late fee, yet they can take $4,800 more than they're owed and take 2 months to pay me back?
Finally, they agreed to stop the checking account payment. They told me I should see the money back in my bank account by Thursday. I'll believe it when I see it though.

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve...

my complaint.  For your reference, details of the offer I reviewed appear below.
[This is not a resolution, this is a repetition of what I received from endless hours on the phone trying to resolve the issue.]
Regards,
[redacted]

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID[redacted], and have determined that this proposed action would not resolve my...

complaint.  For your reference, details of the offer I reviewed appear below.
Account must remain open and it will remain open. It will take me several months to transfer everything again. I already went into a lot of legwork to make this my only bank of choice and now you are simply closing the doors to me because you have poor resources to manage the money.
I am also going to be seeking legal advice over this as no bank has done that before because of payment rejections.
Regards,[redacted]

Dear [redacted] I’m following up with you about your concerns filed with the Revdex.com (Revdex.com)regarding your account and...

information we’ve reported to the Consumer Reporting Agencies(CRAs), like Equifax and Experian.An online payment was made on August 2, 2016, in the amount of $[redacted] from DDA ending in . A second payment reflects in our systems as an auto-payment on August 13, 2016, in the amount of $[redacted] from DDA ending in This payment was returned on August 16, 2016, due to the account being closed. We had not received a payment from account ending in since March 9, 2016. In your concern to the Revdex.com, you mentioned the auto payment account we should have on file is the account you were paying with at the time of your returned payment and you are currently paying with. Our records show the following:Payment Date Payment Payment Source Payment StatusAmountMarch 13, 2016 $[redacted] DDA ending in PostedAugust 2, 2016 $[redacted] DDA ending in PostedAugust 13, 2016 $[redacted] DDA ending in ReturnedAugust 17, 2016 $[redacted] DDA ending in PostedAugust 18, 2016 $[redacted] DDA ending in PostedNovember 19, 2016 $[redacted] DDA ending in PostedDecember 13, 2016 $[redacted] DDA ending in PostedDecember 30, 2016 $[redacted] DDA ending in PostedYour payment for the September 13, 2016, due date was not received causing a late fee of $[redacted] on your October 2013 statement. Your payment of $[redacted] on November 19, 2016, was received six days after your October 2016, minimum payment due date causing a late fee of $[redacted] on your November 2016 statement. I have enclosed a copy of your March 2016-December 2016 statements. © 2017 Capital One. Capital One is a federally registered service mark. All rights reserved. As explained in your Customer Agreement, payments received after your due date may affect your APR. This is why your APR for purchases went from the purchase rate of [redacted]% to [redacted]% variable. Based on our records of your account, we calculated and applied your APR correctly. We usually don’t credit past due fees when we receive payments after the due date. However, as a courtesy, we’re going to credit your account for $[redacted] for the October 2016 statement’s past due fee. You’ll see this credit on your January 2016 statement.You also expressed concern about interest that’s been billed to your account. Information about interest charges is disclosed in your Customer Agreement and disclosures you received when your account was opened, as well as on the back of each of your monthly billing statements. Under How is the Interest Charge applied? Your monthly billing statements disclose:Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account.As stated above and in your billing statements, for each transaction, interest may accrue from the date of the transaction or from the first calendar day of the billing cycle after the transaction is made, and the total interest charge for each billing cycle is applied at the end of the cycle. We charge interest based on the Average Daily Balance, which is shown on the front of your statements under “Interest Charge Calculation: Balance Subject to Interest Rate” in each of your statements. A detailed explanation of the Average Daily Balance Method of calculating interest charges is included on the back of your monthly statements.After a careful review of your account, we determined that interest charges are being billed to your account in compliance with your Customer Agreement and applicable law.We understand you would like us to modify the information we reported to the CRAs about your account. Our records show that your account was 30 days delinquent for the month of November 2016, and we’ve confirmed that we’re reporting accurate information. For this reason, we are unable to send an update to modify your credit file.If you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from 9 a.m.-6 p.m. ET. When contacting me, please use [redacted] as the 6-digit PIN when prompted. My 7-digit extension is [redacted]. I’m glad to help any way I can.Sincerely,Heather T[redacted], on behalf of Capital OneEnclosurescc: Revdex.com

Dear [redacted], 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 account. We 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 credit. You will receive a separate letter within 7-10 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 application. Unfortunately, we are unable to offer you credit for the reasons we provided you in our original letters informing you of our decisions. Foryour records, I have enclosed these letters. Please 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 card. To assist you, we have provided the following names, addresses, and telephone numbers for the CRAs below: Experian Equifax TransUnion InnovisP.O. Box 9595 P.O. Box 740256 Corporation P.O. Box 1534 Allen, TX 75013 Atlanta, GA 30374 P.O. Box 2000 Columbus, OH 888-397-3742 800-685-1111 Chester, PA 19022 43216www.experian.com www.equifax.com 800-888-4213 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 Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC 20006. If you have any questions or concerns, please give me a call at [redacted] Monday through Friday from 8 a.m. to 4:30 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy to help in any way that I can. Sincerely,[redacted], on behalf of Capital One

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my...

complaint.  For your reference, details of the offer I reviewed appear below.
Whoever replied to my complaint has horrible reading comprehension skills, as they only addressed 1/4th of the complaint. The main issue i,s that in the 4 years I've been able to apply for a credit card, my [redacted] score has been anywhere from 480 to 712. 
I have applied for a Capital one card over 10 times in those 4 years, each time Capital one denied me for an credit card, with various reasons stated. Each time I would rectify those reasons, they would come up with new reasons on why I was denied. 
At one point in time, I had a 712 credit score, very little credit card debt, 100% on time payments and very few inquiries. I was able to apply for a couple nice credit cards, but capital one still turned me down.
On the other hand, my friend who had a [redacted] fico, was [redacted] dollars in student loan debt, had over ** inquires, and almost * collections was able to get two different credit cards from Capital One.
That right there is sufficient evidence to believe that capital one has blacklisted me from their system.
I am asking that either Capital One allows me to have one credit card with a limit of $300, or remove all inquires from account. If capital one cannot do one of the two, I am taking this matter to court, as I believe capital one allowed me to damage my credit by allowing me to apply for a card, but not approving me no matter what.
Regards,[redacted]