Capital One Financial Corporation

Dear Mrs. [redacted]We have reviewed the situation you explained to the Revdex.com and want to address your concerns. We appreciate your feedback regarding your...

recent experiences. Feedback is always important to us and helps us identify opportunities to improve. We have forwarded your customer experience feedback to the appropriate manager.I attempted to contact you by telephone to discuss your concerns, but was unable to reach you. I hope that this response addresses your concerns; but, if you have additional questions after reviewing our response, please feel free to contact me at the telephone number provided below.Our research confirmed that your application was submitted on November 18, 2016. The appraisal results were received on December 13, 2016, and the loan was declined on December 14, 2016, as the value of the home was lower than expected. A copy of the decline letter, mailed to you the same day, is enclosed. Our records reflect that you were advised, via telephone, on December 20, 2016, that Capital One was unable to use the appraisal you supplied, because the comparables used were too old and did not show homes sold in your neighborhood. Our records also reflect you were advised of the same information, via telephone, on December 23, 2016.As such, we respectfully decline to request a change to the accurate credit reporting.Please understand, we can only process a reconsideration of value if the information provided includes homes already sold in the same area of the home. We are unable to use open listings. Please also note, this does not guarantee that the value would change. If you have any questions regarding this specific response, I can be reached at ([redacted]Sincerely,Jeremy J[redacted]Office of the President, Financial ServicesCapital 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]

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 fails to accept that I did not get the room that I was promised. The Hotel staff and [redacted] did NOT provide me with any assistance when I needed. A room was available 4 HOURS after the time I scheduled. Most importantly, IT WAS NOT THE ROOM THAT WAS RESERVED. I provided Capital One with the emailed confirmation that CLEARLY stated my room was to be a deluxe junior suite with an ocean view. I did not get said room. I was fortunate enough to find family, to use their room to prepare for the wedding. Furthermore, I refuse to pay for something I did not receive. I cannot believe Capital One supports the deceptive practices of [redacted]. By offering me vouchers, the company assumes I want to fly to Mexico and patron their resort again. The Hotel made too many mistakes for me to visit again. I would be foolish to make arrangements with such an establishment. I will never plan travels with [redacted] again either. Capital One claims they need proof of cancellation. My statement to Capital One has continuously been that my room was given away prior to my arrival. The hotel cancelled my room! I do not understand how "executives" cannot comprehend that; the cancellation was at the hand of the hotel. Capital One has known this from the beginning of my complaint. When I was in Mexico, the Hotel and [redacted] continued to blame each other. Now that I am safely in the United States, I am reversing the charges through my credit card company. The company that supposedly guaranteed "no hassle disputes." The time to offer any voucher, was at the time of incident. I cannot risk flying to the same hotel. I demand Capital One pull the $688 from [redacted] as the company breached the initial contract that was made. By siding with the company that did not provide what they claimed they would, Capital One supports deceptive practices. 
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]

[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: [email protected].
Regards,
[redacted]

Tho whom it may concern,
12.8000001907349px; font-family: arial, sans-serif;">Capital One has resolved this matter to my satisfaction.  Please contact me should you have any questions or concerns.
Thanks,
[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 made by the business in reference to complaint ID 10517444, 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]
Unfortunately there was no "offer' rendered. Capital One refuses to accomodate me by helping me out with my financial crisis by lowering the astronomical interest rate. If I could really afford A $570 monthly note I wouldve purchased a high end luxury vehicle.  Having said that, I am leting go and allowing God to step in. There is a demise for such greed. Capital One will succumb just like many other unjust and greedy financial institutions throughout American and global history. Thanks to Revdex.com for your efforts. Im a itty bitty poor man who doesn't stand a chance against such monstrous predators and/ or opportunists.

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.]
I'm not happy with the answer I received.  They STILL haven't told me why its almost $400, at the time just being 2 days past due.  My husband wasn't happy, neither was I. We were both in shock and REFUSE TO PAY THAT AMOUNT.  IF THEY CAN GIVE US AN ANSWER WHY THE PAYMENT WAS THAT HIGH,  THAT'S GREAT.  IF NOT,  WE'RE CONFUSED AND DEMAND ANSWERS. 
Regards,
[redacted]

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID 10801131, and have determined that this proposed action would not...

resolve my complaint.  For your reference, details of the offer I reviewed appear below.  So you are basically telling me that my initial claim from Feb 2014 to now that I have to wait another 18 months before you will even honor my benefit.  I HAVE WORKED A TOTAL Of 8 hours since February 2014.    I keep writing , I call and I have filed disputes with all three credit bureaus.  When I call you just transfer me.   I was on the phone almost three hours tonight with Capital One.   I was transferred to 8 different people with no resolution with the only response being we will have someone call you  back in 24 to 48 hours.  DO YOU NOT UNDERSTAND how frustrating this is.    Do you need to be deceased for the benefit to work?
[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 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 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]

[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. It was nice speaking with [redacted] - she was very accommodating, friendly and helpful. 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]

Refusing to honor a 12 month 0% interest rate. Immediately started charging interest after 10 months.

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.
1. They correctly stated that my payment was late, which is not what I'm disputing, they have yet to acknowledge or address the fact of the why my payment was late. 2. They stated that they cannot change what was reported to the credit agency which has negatively affected my credit, this is simply false. There is no regulation or law prohibiting them from retraction. They voluntarily reported my late payment, they can also retract that report as well, especially if it was done in error under mitigating factors. 
3. They clearly articulated my payment history, I paid from account ending [redacted] on Aug 2nd fulfilling my repayment schedule for the month of August. After verifying my payment account was setup correctly I CHANGED the auto-payment schedule and account to which to draw from for the following month from Account ending in [redacted] to Account ending in [redacted]. Their billing system automatically tried to withdraw a 2nd payment for the month of August on Aug 13th, from the previous/old auto-payment account ending in [redacted], and subsequently was returned as I had closed that account. Upon receiving a closed account notification and return payment in the auto-payment portion of my account, unknown to me as there was never any communication about this, this canceled all future planned and previously setup auto-payments from valid accounts, ending in [redacted]. 
4. After the returned payment I even paid again with the new account ending in [redacted] on Aug 18th, however given the denied auto-payment, the auto-payment feature no longer worked. I had 
5. My claim is, my payment was incorrectly marked as 30 days late because of a faulty auto-payment system, and thus is inaccurate to that effect. There was no notification other than a singular received email on Nov. 16th to notify my the status of my account as late and a missed payment, and then a phone call on Nov. 17th. At time I paid immediately. 
6. I had moved across the country on Sept 6th, from [redacted] to [redacted], with a *  month old baby and thus spent extra time ensuring this was setup correctly as to not miss a payment specifically and not have to check my accounts in detail during this time period. Clearly I failed at that. 
7. I have never been late for this account in its history, nor have I been late on any other credit card account as far as my history exists. This only happened due to an auto-payment mistake and my credit score should not be held liable for this. I'm currently trying to purchase a home and this dropped my credit score below [redacted] which prevents my family from qualifying for a discounted mortgage. This lack of accuracy on my credit score is hurting my financial well being and unfair. 
8. They're willing to refund a late payment, however they are unwilling to change what was VOLUNTARILY reported to the credit bureaus, even though there is a clear bonafide error with their auto-payment system and not a reflection on my true willingness or ability to responsibly repay debts.  
Regards,
[redacted]

I called to resolve an issue with my bill pay. I had a terrible experience with Rose (ID: GCX436). She repeatedly disregarded my opinion when I expressed my issues with responses like, "well that's just common sense." When I asked to speak to her supervisor, she tried to convince me that she didn't have a supervisor and attempted to redirect the conversation back to the payment asking me if I wanted a refund. No matter how many times I answered, yes I want a refund, and asked for her manager/supervisor's name and contact information she tried everything she could to avoid providing me with the information I requested by telling me that she had to look up their information, repeatedly agreeing to provide the information without providing any relevant name or contact information, eventually giving me a 1-888 number which would direct me to another call center and force me to start from all over again, then trying to tell me that her manager's contact information is unavailable after agreeing to provide the information multiple times. I asked specifically for her manager's name and their office phone number or email address, she refused saying that their personal phone number is unavailable. I explained to her that I dis not ask for their personal phone number and that I am simply requesting their office phone number or email, but she again tried to change the subject and asked me the same question that I already answered, if I wanted a refund, and eventually began accusing me of going back and forth saying that she wasn't trying to argue with me. I asked her not to change my words, to which she bluntly denied in an argumentative manner, and threatened to put me on hold saying, "I have other customers to assist, so you can go on and keep talking about your day but I am going to put you on hold now." I waited for about ten minutes and ended the call to find the information that Rose had failed to, and ultimately refused to, provide me. I have never felt more neglected as a customer and I wouldn't spend this much time and effort to report this incident, but this needs to be addressed because I am strongly considering changing services if I don't receive a proper response from the company in regards to my confrontation with Rose today.

[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.
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.
They document they made inquiries of my credit bureau accounts.  That supports my complaint.However, from 2010 to current I have not applied for an auto loan.  Due to this they made inquiries of my credit bureau accounts without my permission and without a legitimate business purpose.  Please cause them to delete their inquiries from my credit bureau accounts as this is harming my credit.
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]