Capital One Financial Corporation

Dear [redacted] Your complaint to the Revdex.com was forwarded to the attention of the ExecutiveOffice for response concerning you not receiving a card for this accountPlease allow me toaddress your concerns.I am taking this opportunity to apologize for your experience in getting a card sent to you for thisnew accountI want to assure you that we are committed to providing superior quality service toall of our customersI regret this was not the case with your concern.As an established leader in the credit card industry, we take our commitment to servicing yourcredit needs seriously and make every effort to honor that commitmentPlease know that yourfeedback was instrumental in helping us to identify an opportunity to strengthen our position ondelivery of service and that feedback has been provided appropriately.We show that we have since corrected your address of record to the address above, and haveissued a new cardIf you have not yet received this card, please contact me at your earliestconvenience and I will be happy to assist you.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 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 isn't that you have never reported me, the issue is that you have reported me since Oct That was confirmed by [redacted] They have stated that the creditor which is you, Capital One needs to contact them to correct the problem.I re-ran my credit report and it still has not been fixedI can not coordinate your business dealing with [redacted] , I have been told by Capital One several times that you report each month.However, [redacted] is stating that is not being doneSomeone needs to physically make a phone call to [redacted] and get this problem fixedIts unfair that how far this has to go to get resolved 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 so long as the original $ [redacted] due from the storage facility also remains permanently credited from my account, as explained in the letter of correction I sent to CapitalOne months agoI will wait for the business to perform this combined action and, if it does, will consider this complaint resolvedIf the company does not perform as promised and requested then I will 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.No help was given several people misrepresented Capital OneFurthermore if you guys can't do anything in regards to fees please remove the late payment history from my credit as, I as told this by Nicole from Executive office and another Capital one employee promised when I was credit late fees Regards, [redacted] ***

Capital One has received this complaint and corresponded directly with our customer to resolve the matter

[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] **The customer got in contact with Revdex.com and said that these calls have stopped

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 am not satisfied with Capital One's response [redacted] says "On August 5, 2015, we received your request to opt out of our mail offers." They received my request to not receive anymore solicitations from Capital one as of JANUARY 15, VIA MAIL AND VIA PHONE, OVER CALLS TO CAPITAL ONE AND I WANT CAPITAL ONE TO ACKNOWLEDGE THE TRUE DATE ON THEIR RESPONSE Their is response that they received it on August 5, is a lie! Thank you Regards, [redacted]

As a customer of years, I am no longer going to be using my Capital One Venture cardThis is frustrating because I have perfect payment history and good creditHere is why I have deactivated my accountI requested a credit limit increase so that I can move all of my monthly auto-pay accounts over to Capital One and utilize the rewards points, and the response came back "Declined due to low average monthly payment" This made no sense to me since I have had a zero balance for a majority of the time the account has been open, and now that I actually want to use the account and utilize the rewards points, why am I turned away? I spoke with a customer support supervisor and she says all the decisions are made by a computer system which needs some more time to calculate the numbersYou can't have a human being take a better look at consumer accounts to evaluate the situation? I'm sorry, that is ridiculous, and as a result, I will take my business elsewhere

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 to now that I have to wait another months before you will even honor my benefit I HAVE WORKED A TOTAL Of hours since February 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 different people with no resolution with the only response being we will have someone call you back in to 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] ***

Dear [redacted] I’m reaching out to you about your concerns to the Revdex.com (Revdex.com), about a payment on your account, and your enrollment in our Credit Steps programIn your correspondence, you stated there was a system issue that caused your December payment to be counted as lateI was able to confirm there were no system issues at that timeOn December 6, 2016, you made an online payment of $***However, your payment was made after the cut off time of p.mET, so it was applied to your account on December 7, When online payments are made after the cut off time of p.mET, the system does not give you the option to select the same dayAs a result, your December payment was considered late.Credit Steps is a program that provides access to a full pre-qualified credit line for designated customers who successfully fulfill the requirements of the program which includes making five timely payments of the minimum amount dueOur records show your December payment was the second payment due on your accountI’ve confirmed your account is still enrolled in our Credit Steps programYour account remains eligible to receive access to a higher credit line at the program’s 10th billing cycle if you continue to meet the requirements of the programAt this time, we are unable to increase the credit line on your account from $ [redacted] to $ [redacted] © Capital OneCapital One is a federally registered service markAll rights reserved.If you have any 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 am glad to help any way I canSincerely,Tiffany R***, 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.Capital One wants to close out this complaint because I also initiated a complaint with [redacted] regarding this issue, but I will not close this out until I have received a resolution from *** 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' renderedCapital One refuses to accomodate me by helping me out with my financial crisis by lowering the astronomical interest rateIf I could really afford A $monthly note I wouldve purchased a high end luxury vehicle Having said that, I am leting go and allowing God to step inThere is a demise for such greedCapital One will succumb just like many other unjust and greedy financial institutions throughout American and global historyThanks to Revdex.com for your effortsIm 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 made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me ONLY when *** respondsIf I do not agree with the response with *** I will continue to move forward with this complaintI 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] ***

This is a duplicate case we previously received through the CFPB regulatory channel for this customerWe 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 [Provide details of why you are not satisfied with this resolution.] Regards, [redacted] I do not think Capital One understands the damage they cause us when they lied to us about the readiness of our card to work outside the US We were hurt bad by them placing us in a real bind for the five weeks I am asking for this person to call me Thanks again [redacted] [redacted] I will leave the country late Monday afternoon and be back Saturday morning early Sent from my [redacted]

Dear Ms [redacted] , Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of ***’s for resolutionWhile ***’s has an established partnership with Capital One N.A., we provide the in-house servicing for your ***’s Charge accountAs it is my intent to provide our valued customers with quality service, I appreciate the opportunity to review and resolve your concernsIn your rebuttal, you state that you reviewed our response and determined that the proposed action does not resolve your complaintYou are requesting ***’s refund you for a payment in the amount of $I apologize for any frustration this may have caused youOn May 5, 2015, a payment posted to your account for $The payment was made through your bank’s bill pay serviceThe payment and credits that were applied to your account caused a credit balance in the amount of $On June 10, 2015, we issued a credit balance refund check to the mailing address we have on file for you, leaving the account with a remaining balance of $Please allow to business days to receive your credit balance refund check in the mailAdditionally, your account was closed on June 16, 2015, per your requestMs [redacted] , I trust the information provided resolves your concernsIf you have any further questions, please do not hesitate to contact me directly at [redacted] Sincerely, [redacted] *** SrExecutive Correspondence Advisor Office of the President

Dear [redacted] We are responding to your correspondence received by the Revdex.com regarding your accountsPlease allow me to share more information about thisOur records show your account ending in was restricted pending for additional verification informationIn order to protect the privacy of our customers, we may request additional verification when we have fraud concerns on the accountsWhile we understand this may have been frustrating and inconvenient for you, please allow me to assure you this is not our intentOur additional security measures are to protect consumers from fraud, including identity theftUnfortunately, the initial information provided was not the verification documentation requiredOn January 2, 2017, our Fraud Department was able to validate your information and unrestricted your account on this same dayWe show that we did restrict your other accountsOn December 21, 2016, account ending and on December 22, 2016, accounts ending in and were restricted for return paymentsWe show that our Fraud Department advised you by phone that we now needed banking verification due to the return paymentsThis information was not providedWe made the decision to suspend and close your above accounts on January 3, I confirm that our decision will not be reversedPlease be assured that the decision to suspend and close your account was based on business concerns that did not relate to your credit worthinessFor your review, I have enclosed copies of these letters along with a copy of your Customer AgreementWe apologize for any frustration this action may causeIf you have any questions regarding our account closing authority, please refer to your Customer Agreement, a copy of which is enclosedCapital One complies with all applicable state and federal regulations© Capital OneCapital One is a federally registered service markAll rights reservedIf you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from a.m.-3:p.mPTWhen 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,Patricia M [redacted] , on behalf of Capital One Enclosurescc: Revdex.com

Capital One is a joke and even after they sell your car you are still expected to pay them the original amount so they profit 100%

Customer service is very poor and appears to not be US basedAgents do not speak fluent English and do not appear to understandThe standard appears to be place caller on hold, transfer call, wait for caller to hang up, and/or disconnect callIf the US Mail correspondence I received from Capital One is legitimate, it certainly has a questionable appearance Letter states I may be a victim of identity theft, so one would think Capital One could have a more reassuring process for consumers

Dear [redacted] I’m reaching out to you about your request sent to the Revdex.com (Revdex.com) about offers you indicated you may be receiving from Capital One I’m sorry for the frustration that this situation may have caused youI have confirmed that on July 22, 2016, a request was submitted to opt your business, [redacted] ***., out of receiving mail offers from Capital OneUnfortunately, when your business was opted out, the individuals associated with it were notI removed you and your business partners name, your business name, and this address as it appears above, from our mailing listKeep in mind, if you were selected for any offers before we received your request, you may still receive them over the next several weeksIf you have additional questions, please give me a call at 800-955-1455, Monday through Friday from a.mto 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,Samantha C***, on behalf of Capital One cc: Revdex.com © Capital OneCapital One is a federally registered service markAll rights reserved