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]@richmond.Revdex.com.org.
Regards,
[redacted]

The business has provided me with my requested items and a refund. I would like to cancel complaint [redacted] from email [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.The issue here is not whether the fees were valid or not. The 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 one. This is why the fees need to be reversed. Customer had requested for the service to be turned off but was misinformed of the inability to do so.
Regards,
[redacted]

Re: Account ending in [redacted] 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 account. Thank you for taking the time to express your concerns regarding the servicing of your account. Capital One strives to satisfy our customer’s expectations and I sincerely apologize for the frustration that you experienced due to the restriction of your account. As we discussed, your account has been unrestricted and a new card was mailed to the above address on February 19, 2015. Please allow me to explain what occurred. Your April 2014 billing statement advised that your minimum payment in the amount of $25.00 was due on May 24, 2014. Also, your April 2014 billing statement closed with a balance in the amount of $299.12. Your May 2014 billing statement advised that your payment received on May 21, 2014, in the amount of $25.00 was returned on the same day. On May 27, 2014, your account was billed a late fee in the amount of $25.00. This same billing statement advised that your next minimum payment was due on June 24, 2014, in the amount of $64.00. On June 24, 2014, a late fee in the amount of $35.00 was billed to the account as no payment was received. Your June 2014 billing statement advised that your next minimum payment was $115.00 with a due date of July 24, 2014. Our records confirm that from July 2014 through September 2014, payments were made for less than the required minimum payment amount. Not receiving the required payment made the account past due. Your September 2014 billing statement advised that a late fee in the amount of $35.00 was credited back to your account. Your September 2014 billing statements also advised that your payments in the amounts of $20.00 were received on August 29, 2014, and on September 12, 2014. On September 26, 2014, another debit payment was made in the amount of $25.00. These payments were less than the minimum payment required. Your next minimum payment in the amount of $122.00 was due on October 24, 2014. On October 10, 2014, we received your debit payment in the amount of $25.00. On October 24, 2014, we also received a debit payment in the amount of $250.00 bringing your account current. Your October billing statement closed with a balance of $139.08. Your November 2014 billing statement advised that your $250.00 payment was returned. On November 24, 2014, a late fee in the amount of $25.00 was billed to the account. On your December 2014 billing statement and your January 2015 billing statement, we received your online payment in the amount of $25.00. As this payment was less than the minimum payment required, a late fee in the amount of $35.00 was billed to the account. On December 27, 2014, the account was restricted due to past due status. On January 7, 2015, and January 22, 2015, we received your payments in the amounts of $25.00. The minimum payment due for January 24, 2015, was for $189.00. 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 $25.00 was received. On February 12, 2015, an online payment in the amount of $400.00 was received. On February 13, 2015, a courtesy credit in the amount of $9.78 was issued to the account. As of the date of this letter, the account has a zero balance. I have included copies of your billing statements from April 2014 through January 2015 for your review along with the notices mailed to you advising of the status of the account. If you have additional questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 7 a.m. to 3:15 p.m. PT. 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]

I over paid by a thousand dollars on my credit card on 10-26-2015 On 10-27-2015 I requested a refund of the overpayment. It is now 11-16-2015 and still no refundI have talked to several supervisors and all have said it will be taken care of. my last two calls resulted in no check sent . money will be deposited directly into my checking account over night last call said it would take at least 5 business days to complete the transaction. I won't hold my breath on that one All this from a company that has a business motto that says "DO THE RIGHT THING". I thought it meant for the customer satisfaction but I was wrong silly me.

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.
Although the response which I received from Capital One indicates that the information was requested through the correct page, the representative still could have stolen my information (and may have, in fact, already done so). For this reason, I demand your bank collect sensitive chat information such as dates of birth which the rep can only see as verified, that is to say, not the exact information like the particular numbers for the dates of birth and the like which can be harvested by reps and misused. The verification page keeps the exact numbers from the knowledge of the reps. Hence, if the numbers match what is listed on file, then I am verified by machine and can further chat with the human rep. This keeps my sensitive information much safer. Capital One has provided me with no proof that this information which I have provided has not later been misused against my best interests. That's why some people like me may prefer to use chat with a third-party verification in lieu of a phone conversation. As a form of reimbursement for this dangerous policy, I demand a complete reimbursement for one month of each statement's minimum payment due amount once there becomes a minimum payment due amount for each account of mine to convince Capital One to handle ALL identifying information in a much more responsible manner through verification processes which do not hand over the raw data like dates of birth to the reps. 
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 reason they stated in closing my account were described in the letter they sent me originally "?? Principal owner(s) have past, present or pending legal action." I have presented them with a Certificate of Relief from all disabilities from the courts and yet capital one states they made a business decision based on business concerns, mind you I have never had any issues with any of my accounts. They state they won't reverse their decision because they had concerns based on my past, present or pending legal action, which i received a relief from all disabilities from those "concerns" they are stating. It makes no sense to me, and I do not accept the response that they provided. It isn't fair, they are causing my credit report to go down because they closed my accounts for no valid reasons. I have attached the Certificate Of Relief once again. 
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.  
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.
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]

On July 2010, Capital One specifically states in its own letter that it accepted a new agreement.  However, they still marked my payments late on July 2010 to September 2010 even though I...

abided by the agreement.
If the account was previously late, why didn't they mark the payments late prior to July 2010? 
The letter contradicts itself.  However, thanks for the letter to support the facts for my arbitration demand in JAMS! Best 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]

[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 spoke with [redacted] on Wednesday. He informed me that the late payments are accurate and they would not be able to remove them from my credit report. I have never questioned the accuracy. The report is accurate. I would like to have them removed because I believe they are hurting my credit score, and it has been well over 2 1/2 years. I have kept my account in perfect standing since then. I know that they are able to request at any time that the credit bureaus remove them, and the bureaus typically adhere to the company's' requests. In fact, I have another creditor who removed a late payment from the same time frame. It is inaccurate for them to say they are unable to, and is also poor customer service. I have had this particular credit card for over 10 years now, so I would expect better customer service. Also, I remembered some additional details after reporting this, and I brought them up with Nick. After being late the first 2 months, I was able to make an arrangement with Capital One in order to get caught up on the minimum payment. They agreed to not charge late fees for 3 months in order to give me a chance to get caught up, and the agent even outlined approximate monthly payments to get me caught up before late payment fees resumed. He never mentioned anything about reporting additional late payments to the credit bureaus. Not only did they continue reporting them, but then they dinged me with a 60 day late payment. Come to think of it, that 60 day is probably inaccurate. I made a payment every single one of those months, so even if the last one was late it would be only 30 days late. I will most likely cancel this account after I pay off the card if these late payments are not removed from my credit reports.
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 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]
Thanks for all of your help!  I know I can always rely on the Revdex.com!
Regards,
[redacted]

I do not accept this. We were told by the customer service rep that the payment agreement would stop any repossession as long as we kept our side of the agreement. They are the ones that cancelled...

the agreement and took the car.  This should of never happened and they need to admit to it and make it right.  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 violated my consumer rights by not obtaining my permission before attempting to pigeon hole my credit ratios. I am aware of this tactic to increase profits by suttle cohersion to steer persons an unwanted nor solicitated tactic attempted by them, which is no more than an attempt to control my credit standing and it's an attempt to steer me and hold hostage my ability to direct and maximize my credit future. I am appalled and the entire uninformed public should be aware of this underhanded and underminded  intentional practice. No Capital One, you are predictors on the disadvantaged and how dare you attempt to portray yourself otherwise. I appreciate the fact that credit was extended initally of which I have no intention of abusing. I will not ideally stand by and not go forward in addressing this practice. I know they can not legally cancel my card due to consumer protection laws unless I violate can the terms of agreement. Since I have not violated these terms and paid off my balances in an expedite manner. Capital One should rethink this response and follow back up with as promused for I am still awaiting the return telephone call from the representative whom promised to call me back within 72 hours if memory serves me correctly. This matter us far from being over at this point. The fact that I have been not only disrespect by the actions the fact that they didn't keep their word justifies the initial purpose of my complaint, it has only compiled the issues..Regards,[redacted]

Dear [redacted], I’m reaching out to you about your concerns submitted to the Revdex.com (Revdex.com) to reopen your account and increase your credit limit Thank you for allowing...

me to address your concerns. 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. After conducting a review of your account, we made the decision to suspend and close your account on November 30, 2016. We appreciate the additional information you’ve provided; however, after further review, I can confirm that our decision will not be reversed. Please be assured that the decision to suspend and close your account was based on business concerns that did not relate to your credit worthiness. We apologize for any frustration this action may cause. If you have any questions regarding our account closing authority, please refer to your Customer Agreement, a copy of which is enclosed. I’ve also enclosed a copy of the letter we previously sent you. Capital One complies with all applicable state and federal regulations. You also requested how our decision will be reported to the [redacted] [redacted] like [redacted] and [redacted]. Our records show that the account was reported as closed by grantor. If you have any questions about how this may affect your credit file, please contact the agencies directly. [redacted]
[redacted] 
[redacted] 
[redacted]
[redacted]
[redacted] © 2017 Capital One. Capital One is a federally registered service mark. All rights reserved.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,Judith R[redacted], on behalf of Capital One EnclosuresCc: Revdex.com