Capital One Financial Corporation

[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.
Its my name its my Social Security, I never authorize use my name and SS,immediately remove. I never authorize and never asked or called.
Regards,
[redacted]

Dear [redacted], I’m reaching out to you about the concern you sent to the Revdex.com regarding Capital One and what information we are reporting on to the Consumer Reporting Agencies (CRAs) like [redacted] and [redacted]. We would like to share some...

information with you. We have found the following information is being reported from Capital One to the CRA’s: ? Account ending in [redacted]: You are reporting as open and no late payments reported ? Account ending in [redacted]: You are reporting as open and no late payments reported ? Account ending in [redacted]: You are reporting as the primary. The account currently reports as with a zero balance. This will be updated after the next cycle to show the accounts current status which is closed ? Account ending in [redacted]: You are reporting as an authorized user, the primary is [redacted] 
[redacted]. The account is open and no late payments reported During our phone conversation on March 13, 2015, I informed you of the above information. You confirmed with me that for account ending in [redacted] you were unaware of being on this account, and that it was being reported to the CRAs. You confirmed with me you are no longer needing assistance or research to be done, and that you were satisfied with receiving this information. We appreciate the opportunity to be able to assist you with your concerns. If you have additional questions, please feel free to call me at [redacted], Monday through Friday from 10:30 a.m. to 7 p.m. PT. I am glad to help any way I can. Sincerely, [redacted], 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 [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]
Sincerely thankful .

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]
Capital One has refused to look into the issue stating their policy does not permit a real human being to look into such matters. I have 2 credit cards with Capital One, I also have a checking account and two savings accounts at Capital One 360. Today I have opened a credit card account and a checking account with Discover Card and will begin migrating all of my business to Discover. As their customer service continues to decline, customers like myself will be heard by their footsteps as they leave Capital One.

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] I should not have to do that, I have stated that YOU should be taking care this and removing from any and ALL promotions. You are the company who has been running my credit, you should be taking care of this not me.

[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.The offer states the same thing my initial complaint is about. My accounts have not been combined and there is no reason as to why they were denied. This reply on the behalf of Capital One is repetative. The message stated the same things exact reasoning Capital Ones customer service dept. told me which does not fix the problem nor tells me the reason why the problem exist. 
Regards,
[redacted]

I truly appreciate the help Revdex.com has provided to help me get in contact with the correct personnel who can address my concerns with my problems at Capital One. On Friday, March 9, 2018 at approximately 11:30 AM PST, we were able to get to a resolution. Charity with Executive Office stated our...

account with Capital One will be credited and there will no longer be a balance with the account. She proclaimed that the credit will take up to 48 hrs before it posts to our account. We are still yet to receive confirmation from either email or through mail of this confirmation, but we are happy that this matter has been solved, as Charity states. You may contact me with any questions regarding this case. Thank you!

[
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID 11451805, 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]

Please see attachment

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 contacted capital one,the fraud department agreed this was a cause of fraud.like I told them I applied for a secured card on december 10th 2014 and a business card august 2014.the rest were not done by me.as for 6 inquiries.thats 6 per credit agency total of 18.why did the capital one fraud department agree to send letters to credit bureaus.now you have a different answer.this is very damaging to my credit report im trying to fix.I want 12 removed from my credit reports and stop accepting applications in my name.as for the letters you sent.I have never seen any letters sent to this address.so now where are they getting sent to?all I want is 12 inquiries I didnt not apply for or give anyone permission to apply for.also for you to stop any applications sent in with my name on them.
Regards,
Dennis Hildebrandt

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.
Their letter offers no legitimate explanation for their routine policy of holding the deposits of new customers hostage for 10 business days (and 5 business days for established customers).  These are inordinate delays, and impossible to justify as all the necessary verifications happen electronically within seconds, and certainly within a day or two.  Just for comparison, [redacted], which offers very similar on-line banking, makes deposits available within 2-3 days maximum, and usually within 1 day according to their representative. Capital One claims that one of the reasons for their delay is that they "take security very seriously".  But during the more than two calendar weeks  that elapsed from when they received my deposit until they actually allowed me to withdraw it again, they requested no additional information from me to verify my identity, and their claim, therefore, that these two weeks were needed for security purposes is ludicrous.  Compare this with credit card companies which issue cards (i.e. essentially lend money) to new customers instantly based on an online application, and you can see that it is absurd that Capital One is claiming that there would have been some security risk involved in giving me my own money back!
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.]
May 10, 2016
I do not accept what Capital One Bank wrote in response to my Revdex.com Complaint.  I will only pay $25.00 a month until further notice, or until my account is paid off, and I will only pay for what I charge on this account.  I will pay on this account between 36 to 40 more months at $25.00 a month, any made up fees or made up charges--drop it.
Regards,[redacted]

Dear [redacted] We recently tried to contact you about a Revdex.com (Revdex.com) complaint escalated to our Executive...

Response Committee (ERC). Since we couldn’t reach you by phone, we wanted to provide you with an update in writing. Please see below for a summary of your complaint and how we responded to it: Summary of Complaint: The referred complaint stated that you were a victim of identity theft and Hudson’s Bay was one of the many cards that were fraudulently opened. You explained that you tried to have this card removed from your credit bureau and have been unsuccessful. Our Response to Your Complaint: Our records indicate that the referenced account was confirmed as fraud. On December 8, 2016, we issued the enclosed letter stating that: x All charges have been eliminated from the account. x The account will be removed from your credit bureau file at the two major credit reporting agencies, Equifax and TransUnion, which can take up to six weeks. x You will not be held liable for any charges. Please accept our sincere apologies for the inconvenience you have experienced. If you would like to further discuss this matter, please contact me at 1-866-685-2264 extension [redacted]. If you’re not satisfied with our response to your complaint, you can escalate it to the Capital One [redacted]. The Capital One [redacted] can be reached in the following ways: Email: [redacted] Mail: [redacted] 
[redacted] Toll-free Fax: 1-416-549-2768 Capital One Bank (Canada Branch) has a complaint resolution process in place. Please visit www.capitalone.ca/concerns for details. If your concerns are regarding our compliance with federal consumer protection law, public commitment, or industry codes of conduct, you can contact the Financial Consumer Agency of [redacted] at its office at [redacted] or through its website at www.fcac-acfc.gc.ca.© 2015 Capital One Bank (Canada Branch). Capital One is a registered trademark. All trademarks used herein are owned by the respective entities. All rights reserved.Capital One Bank ([redacted]
[redacted]
[redacted]
Please note that if 90 days have passed since your complaint was received by the ERC (as noted above), you can also escalate it directly to the Ombudsman for Banking Services and Investments (OBSI). The OBSI can be reached the following ways: Toll-free Telephone: 1-888-451-4519 TTY Telephone: 1-855-TTY-OBSI (1-855-889-6274) Email: [redacted] Mail: [redacted] 
[redacted] Toll-free Fax: 1-888-422-2865 Thanks for contacting Capital One®. Sincerely, P. M[redacted] Executive Response Committee  Capital One Bank ([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.
According to all my documents there was no payment due for September, so when I didn't pay October because my deposit would have more than covered it and should have already been returned. It still was not 30 days late in October. The only thing that I am disputing is how October 2016 is reporting on my credit report. I was not 30 days late. I find it funny it took another 2 months to get the remainder of my deposit back too, but that's not what I am disputing. 
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.
An apology does not make up for all the bs and time. It'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 it. On top of this as a result of the games you have played I won't get my full 9 months of 0% interest. This needs to be altered without anymore excuses. I just activated my card. I'm highly upset and disgusted. You need destroy my personal documents I sent in, as they have sensitive information on them.
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 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.
capital one provided no resolution.  The provided documentation but I had changed this option 2 months after the account was opened and have had charges reversed as they were erroneously charged.  I do not accept their response.
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 affected. However, 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]