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]

This is a duplicate case we previously received through the CFPB regulatory channel for this customer. We will be responding to the CFPB with our response.

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.
I’ve asked to be contacted at a certain time during the week because of my schedule pertaining to my work and that was not met.
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.
[redacted]I received a letter from the Capital One Auto Finance in regards to a complaint I placed with Revdex.com.org. They did not resolve my issue and the fact of the matter stands that I did in fact make arrangements with the company regarding the May 30th payment so it was not late. I had to make arrangements b/c of a mix up on their part. I am asking that this 30 day late payment be taken off my credit report.
Regards,
[redacted]

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID 10668490, 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]

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.
No is able to tell me if this will be or not be reported for sure. This is outrageous. It MAY be reported is not an answer. This should not be reported because had I received quality customer service the first time I called on the 8th. They would of reviewed my account and offered me an extensions then. Still does not justify why I have to pay any fees for the 4 days it took for your  staff to review an account.  Had they did the job correctly they would of accepted my offered to pay 1000 the day of the 8th.  Instead it took them 4 days to tell me they would accept a little under 700.  That extension was not offered to me as curtsey so much as it was the only option or I choose to let to car go. Which I still have every right to do at this point if you end reporting this anyway. So again, my request was to have this not reported, Which you did not confirm at all and to have my fees paid for those 4 days.   I want the calls pulled and the multiple recorded conversations reviewed.  I want copies now if I may as well. If I have to pay a fee fine.  I even had one conversation and no one wanted to tell me what I was owned if they didn't finish their script. That's how I ended up in the presidents office because I threaten  legal action if no one wants to tell me how much I owe.  No extension was every offered at that time on the 8th and it is absolutely unreasonable that I was forced to wait 4 days because  at the time $1000 wasn't good enough to pay Capital one, they asked for 1600,  I refused,  and had to wait 4 days for you all to come back and tell me $700. Which makes no sense!!! Nope. This offer is declined.
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 appreciate the business's honesty in recognizing the validity of my complaint. However they still have not fully credited my account with the appropriate for all the debits that were made on my account. The special reward of $9.40 that was credited on 8/26 seem somewhat arbitrary to me since it does not correspond to all the debits I made in the previous month.  I understand that the rewards may take up to 60 days, so I will be looking to see if they will make further credits for small debits ($1 or less) that has not been credited yet. Currently, I notice that their system will only automatically credit me the reward if the debits are more than $1.
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:
My overall complaint against this company is the CUSTOMER SERVICE PROVIDED. In their response to my initial complaint they offered me $100 as "peace offering" but basically still told me I was wrong, citing the customer agreement. The purpose of my complaint was not to look for additional credits to my account, I was satisfied with those I had already been given as a result of my initial call to the customer service department. The overall purpose of my complaint was to enact change to the policy of indiscriminately cutting off users from accessing credit, REGARDLESS OF THEIR ACCOUNT HISTORY WITH THE COMPANY! For example, I have a relatively large credit line with this company, that I use and pay off IN FULL EVERY MONTH, yet one month I am 4 days late due to an illness and suddenly my credit is revoked? I feel that this is a terrible practice. I understand that if I , or other customers in my position, were chronically late, had bad credit with the company or both than this would be a reasonable action but to just send me a response stating "Here's a hundred bucks for your trouble and by the way, our agreement says we can do whatever we want, whenever we want and to whom-ever we want no questions asked because you signed it"...I'm sorry, that's un-acceptable. These actions by the company are in THEIR BEST INTEREST not in the best interest of both parties. These actions lead to humiliating consequences for their customers and worse, if the customers affected are not like me, these actions lead to what must easily be hundreds of thousands if not millions worth of fees for the company as a result of these predatory actions. This needs to be stopped and everyone should have the ability to find this complaint and see what could result by doing business with this company. 
In their response the company states that the services agreement states that they can take this action when ever they want. However, the service agreement is easily 15 pages, front and back, long and the type is so small that it would easily take a team of attorneys to digest the information contained within. Fine, however, my complaint acknowledged the possibility thereto and asked that, at the very least, the company institute a policy either being more selective of those that they apply these practices against or at least make it perfectly clear, either by large bold-face or separate letter, that this is a possibility. The company's response to me totally ignored that request and, again, just gave me a credit and told me I was wrong, read the giant contract. I am looking for more culpability and acknowledgement that what has transpired is, at the very least, bad customer service if not overtly vindictive against customers who don't deserve such actions. 
I ask that the representative that reviews this response review my initial complaint and acknowledge it accordingly, rather than throw money at the issue in an effort to try an hide the true issues by "shutting me up".
Regards,
[redacted]

I have tried to opt-out a number of times and I continue to received unwanted offers. I hate you Capital One! I will never ever use your company out of sheer annoyance for the weekly junk mail offers I get from you.

I have always had great service from Capital One regarding my credit card. Like any credit card company, the rates are high and they have no late payment grace period, but everything else has been good. I applaud their fraud watching...they have actually denied a couple of my legitimate online big dollar amount purchases that appeared like they could have been bogus charges because they weren't common charges, but Capital One contacted me in less than a minute from denial to verify the potential fraud and we got it sorted out and my purchase made within minutes of my first attempt. Very minimal inconvenience for the knowledge that they are watching for potential fraud charges so proactively. I have also had to do a couple of charge disputes--both over $1,000.00 and Capital One has been great. Yes it's a little bit of a hassle to answer all the questions so they have the necessary information to pursue the claim, but I appreciate them getting all the necessary information up front so I don't need to continuously provide information or duplicate information to them, and they have always immediately credited my card the disputed amount so I don't have to pay the amount and wait for reimbursement.

This is a duplicate case we previously received through the [redacted] regulatory channel for this customer. We will be responding to the [redacted] with our response.

Opened up a spark business account 6 months ago at capital 1 bank in glen allen Virginia,
To date I still have no working PIN number and the first time I actually go to use the card it gets declined so I call the number on the back and am prodded to go through 3 different surveys on vacations to my age to auto insurance , if you don't answer the system hangs up on you so now I'm am at the branch waiting as usual as I have every time I've tried to get a PIN number straight ,
But 1 person working nobody else's knows anything.
I assure you if you have a business this is the last place you want to bank!

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]

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.]
The letter I received was pertaining to a bankruptcy, not my actual complaint of how they did not have any payment plans offered to their costumers. The only reason we had to a bankruptcy was because they did not offer any reasonable payment plans this solves nothing.

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 an accurate portrayal of conversation events.  There is no resolution offered and no responsibility accepted.  Therefore, this response is painfully inadequate.  Customers deserve to know how Capital One responds when events like this occur, my complaint stands.
Regards,[redacted]

I can not seem to get anyone at Capital One to unlock my password. I was on the phone for hours as I got transferred back and forth and no one could do it. This all started because Capital One created a new IPHONE App that no longer allows one to use both banking and Credit cards. I would advise staying away from the Capital One app if you have separate passwords for both credit card and banking it will end up locking you out of your accounts,

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.
Seriously, I don't understand why they make it so difficult to close an account and why they're making us go through all this trouble. No we do not accept their response, and we want to get our [redacted] money back!!
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]@richmond.Revdex.com.org.
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.
Capital One refunded the $[redacted] but did not clearly specify what that was for.
Regards,
[redacted]