Capital One Financial Corporation

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 provided no resolution The provided documentation but I had changed this option months after the account was opened and have had charges reversed as they were erroneously charged I do not accept their response Regards, [redacted]

Very poor customer service

Customer reached out to Revdex.com by phone on July and stated that the charges had been corrected and that the issue was resolved

Re: Account ending in *** Capital One Case: [redacted] Revdex.com No: [redacted] Dear [redacted] , I am responding to our phone conversation on February 20, 2015, concerning your complaint received by the Revdex.com regarding your accountThank you for taking the time to express your concerns regarding the servicing of your accountCapital One strives to satisfy our customer’s expectations and I sincerely apologize for the frustration that you experienced due to the restriction of your accountAs we discussed, your account has been unrestricted and a new card was mailed to the above address on February 19, Please allow me to explain what occurredYour April billing statement advised that your minimum payment in the amount of $was due on May 24, Also, your April billing statement closed with a balance in the amount of $Your May billing statement advised that your payment received on May 21, 2014, in the amount of $was returned on the same dayOn May 27, 2014, your account was billed a late fee in the amount of $This same billing statement advised that your next minimum payment was due on June 24, 2014, in the amount of $On June 24, 2014, a late fee in the amount of $was billed to the account as no payment was receivedYour June billing statement advised that your next minimum payment was $with a due date of July 24, Our records confirm that from July through September 2014, payments were made for less than the required minimum payment amountNot receiving the required payment made the account past dueYour September billing statement advised that a late fee in the amount of $was credited back to your accountYour September billing statements also advised that your payments in the amounts of $were received on August 29, 2014, and on September 12, On September 26, 2014, another debit payment was made in the amount of $These payments were less than the minimum payment requiredYour next minimum payment in the amount of $was due on October 24, On October 10, 2014, we received your debit payment in the amount of $On October 24, 2014, we also received a debit payment in the amount of $bringing your account currentYour October billing statement closed with a balance of $Your November billing statement advised that your $payment was returnedOn November 24, 2014, a late fee in the amount of $was billed to the accountOn your December billing statement and your January billing statement, we received your online payment in the amount of $As this payment was less than the minimum payment required, a late fee in the amount of $was billed to the accountOn December 27, 2014, the account was restricted due to past due statusOn January 7, 2015, and January 22, 2015, we received your payments in the amounts of $The minimum payment due for January 24, 2015, was for $Your January billing statement closed with a balance of $434.78.Our records show that on February 4, 2015, an online payment in the amount of $was receivedOn February 12, 2015, an online payment in the amount of $was receivedOn February 13, 2015, a courtesy credit in the amount of $was issued to the accountAs of the date of this letter, the account has a zero balanceI have included copies of your billing statements from April through January for your review along with the notices mailed to you advising of the status of the accountIf you have additional questions or concerns, please give me a call at 800-955-1455, Monday through Friday from a.mto 3:p.mPTSincerely, [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 [Provide details of why you are not satisfied with this resolution.] Capital One isn't showing were a payment extension was offered in their system which is my biggest complaint Lack of documentation I have attempt to retrieve my old home phone history but I'm unable to get a set of those records as well I have contacted my attorney regarding this matter and waiting on him to retrieve my old records from my phone He will be in contact with this organization also I do agree with capital one in reporting accurate information but as of this moment I feel as if they are reporting inaccurate data on my reports Regards, [redacted] ***

Capital One discriminates will close a customers account without understanding facts of a situationAccount was closed after company made blatant mistakes and did not address them to me, even though I reached out on numerous occasions, even to the executive office to notify them what was going on I have been working for the past months to restore privileges to my account and they continue to stall If you try to complain about the company they will send you a generic message and state something along the lines of "consumer is disputing issue with other agency" even though I'm not or consumer conversed with agent who addressed their needs, when in fact non of that is true

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 The response is inaccurateThe 0% interest rate was offered on correspondence that was mailed to me from Capital One regarding a new [redacted] credit cardI also saw the 0% interest rate offered on the Capital One website.Click on the link below [redacted] card holders were offered 0% aprI was issued a [redacted] card [redacted] [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.] Better Business Bureau: I have reviewed the offer made by the business in reference to complaint ID [redacted] , 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: [redacted] Regards, [redacted]

Dear [redacted] I’m reaching out to you about information we’ve reported to the [redacted] Agencies, like [redacted] and [redacted] 11px;">We understand you would like us to modify the information we reported about your accountOur records show that your account had a balance of $ [redacted] for your December statement, and we’ve confirmed that we’re reporting accurate informationFor this reason, we are unable to send an update to modify your credit fileFor more information about how this reporting may affect your credit profile, please contact the agencies directly [redacted] [redacted] *** [redacted] ** [redacted] *** [redacted] [redacted] If you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from a.m.-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 canSincerely, Amanda *T***, on behalf of Capital One cc: Revdex.com © Capital OneCapital One is a federally registered service markAll rights reserved

Dear [redacted] Your complaint to the Revdex.com was forwarded to the attention of the ExecutiveOffice for responsePlease allow me to address your concerns.Pursuant to your request to stop receiving mail solicitations from Capital One, I have removedyour name and address, as it appears above, from our mailing listPlease allow days fromthe date of this letter for all mail from us to stopThis means you’ll no longer receive any offersfrom us at the address you provided us.If you are receiving mail from us with any variations in the spelling of your name or address, aseparate request must be submittedIf you receive an additional solicitation that has a variationto the address above, please call me and I will be happy to update our records for youWe havereviewed our records and were unable to find a previous opt out request for this address.We appreciate the opportunity to address your concernsIf you have any additional questions,you may contact me at [redacted] I can be reached Monday through Friday, from a.mtop.mET.Sincerely, [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 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.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 $ Regards, [redacted]

Revdex.com: A check was received with a stop payment on it; this has caused several overdraft fees and returned check feeI need a check for the total charges which I do not have available to me at this tine 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] , 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, [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.The issue here is not whether the fees were valid or notThe fees are by their very nature invalid as [redacted] has requested that the overdraft service be removed from the account at multiple occasions during our conversations with the representatives from capital oneThis is why the fees need to be reversedCustomer had requested for the service to be turned off but was misinformed of the inability to do so 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 I want nothing to do with capital one and they're sexist customer service lineI was treated like a criminal and that is absurdI don't want anything from capital one but for people to know what a horrible business they are Regards, [redacted]

Dear [redacted] , We have reviewed the situation explained in your complaint to the Better Business Bureau and would like to address your concerns Our records confirm that you paid off your Capital One Auto Finance (COAF) loan on May 13, In order to ensure the payoff would not be returned, the refund would take days to process; we advised you of this on May 28, 2014, via secured messagingOn June 2, 2014, a refund in the amount of $was mailed to the address on fileOn June 16, 2014, you contacted COAF to advise you had not received the refund check However, you declined our suggestion to reissue a new checkOn June 17, 2014, you contacted us via secured messaging and requested the check be reissued Ultimately, we remitted the funds electronically on June 20, We apologize for the experience you have had with the servicing of your loanWe want to assure you that we are committed to providing superior quality service to all of our customersIf you have additional questions regarding this matter, please contact us at [redacted]

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

Revdex.com: I have reviewed the offer made by the business in reference to complaint ID [redacted] , and have found that there is actually an issue concerning my CREDIT CARD account.So I definitely have to continue with this complaint Regards, [redacted]

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, since my credit rating has apparently not been affectedHowever, I would like to stress that, contrary to Capital One's response, I spoke to their online chat agents on two occasions, and I was indeed given the wrong information Regards, [redacted] ***