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]

[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.
No effort was made to correct the issue, and all that was provided was a copy of the customer agreement outlining the unreasonable and unfair terms. This was not resolved to my satisfaction, and seemingly will not be. Capital One is by far the worst credit card company with which I have done business; not only from this experience with their terrible communication practices, but also due to the fact that they also provided a MUCH lower credit limit than other large well known credit companies and disregarded requests to increase said credit limit.
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 $** due from the storage facility also remains permanently credited from my account, as explained in the letter of correction I sent to CapitalOne months ago. I will wait for the business to perform this combined action and, if it does, will consider this complaint resolved. If 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 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: [redacted].
Regards,
[redacted]

Sorry I was out of town......Capitol One contacted me and the situation was resolved.  They agreed to stop all solicitations for credit cards, loans, etc. Thank you for your help.

Dear Mr. [redacted],We reviewed the concerns you expressed to the Revdex.com (Revdex.com) regardingchecks deposited into your 360 Checking and wanted to follow up with you.After reviewing your account activity, we found that many of your check deposits were returneddue to insufficient funds and the...

fact that the checks weren’t made payable to your name. As aresult, the decision was made to end our business relationship with you, and you’ll be unable toopen new accounts going forward.We confimred that your 360 Checking was closed on February 10, 2016. The remaining balanceof $234.54 was sent to your mailing address on file. You can expect the check to arrive 5-7business days from the account closure date.If you have any additional questions, please reach out to our Customer Security Team at [redacted]. Associates are available Monday – Friday, 8 AM ET – 11 PM ET, and Saturday, 8AM ET to 6 PM ET.Sincerely,

March 02,2018
Dear Mr.[redacted]
Your letter states Capital One was not able to complete the loan process due to a question about some lien with my home. There...

is no lien on my home. No one said anything after I provided the Will if there still was a problem! I have been with this Bank almost 40 years when it was [redacted]. This is how Capital One treats their loyal customers! So now you are saying the application was withdrawn. So who withdrew my loan? One thing I do have is my letter from the Bank stating I accepted the offer on October 23,2017.The letter is dated November 15,2017. The Home Equity Check List was handed to me the same day I accepted the offer. I returned all documents listed back to the bank. I watched as she checked them off. I never faxed any documents. I hand delivered everything to the Bank and waited until they were faxed. It was her job to keep me informed and to make sure she had all paperwork in order. Now you are trying to blame me. I have worked as a Registered Nurse for almost 40 years and I have never seen or heard of anything like this in my career. They Collected my personal documents then refused to let me review them. Again I'm requesting my signed copies of the Disclosures. You as the lender still have not provided them to me. You all don't have to keep saying that Capital One is not going to give me the loan! I know what happened and so does Capital One!!


[redacted]
after I provided the Probated Will,

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]

Several years ago I signed up for a Capital One Secured credit card. When signing up I was told to make 12 consecutive payments and then call to have my account converted to an unsecured card and receive my initial $1000 deposit back. After making 12 payments I called and was told that no refund could be issued and secured credit cards could not be converted to unsecured. Although upset I let it go and continued growing my credit.
Fast forward to 4 months ago and my credit has been repaired. It was time to cancel the old secured credit card. In September 2016 I paid the remaining balance and called to cancel my card. I was told that refunds don't get issued automatically so wait one week and then call back to have the check issued. I called back and was told a check was automatically issued the day after I cancelled my account and I should be receiving a check in the next couple days.
Unfortunately, the check never arrived. Since then I have contacted Capitol One at least 6 times asking for my refund. Each time I am told they have emailed the department that handles that and to wait another 7-10 days. Each time, nothing arrives.
Last Thursday I called and spoke to a rep. He said he was going to personally resolve this issue. He emailed the department and said he would personally call me back on Sunday (because he was off Friday and Saturday). Sunday and Monday came and went without any contact from Capital One.
With my frustration growing and having already wasted countless hours on hold with Capital One I called again today (January 10, 2017). After 30 minutes on hold I was told the rep (in the escalation department) could only email the department that handles the secured card and hope that someone would contact me in the next 24-48 hours.
On each call I have requested to be transferred to a supervisor or someone who can handle the issue and I have received no assistance. While the employees are polite they are either incapable or unwilling to assist a desperate and loyal customer. I am frustrated and tired of dealing with Capital One. I will be cancelling my unsecured card with Capital One as well as my checking and savings account. I am forced into repeatedly calling Capital One and begging for my refund. How can I find a solution to this ridiculous problem.

Capital One 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.]
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: [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.[Provide details of why you are not satisfied with this resolution.]
I did NOT reject the cancellation of the Recall on January 27th. This does not make sense and I did not authorize the recall of the cancelation. Regards,[redacted]

Dear [redacted]I’m reaching out to you about your concern to the Revdex.com (Revdex.com) about the access checks you received for your account. Thank you for your patience while we...

reviewed your submission.We understand you would like an adjustment on the $[redacted] purchase for *% interest for the next 12 months, and for the interest applied to your account to be credited. Per the terms listed on your access check (enclosed), it outlines options on how to use your access checks. The access checks can be used for purchases or for balance transfers. Once the transaction is approved it will be placed under the special offer to allow you to take advantage of the promotional offer. Please note, it is at the merchant’s discretion to process the access checks.We took another look at the actions taken on your account, and confirmed no bank error. In further review of your account, I contacted the [redacted] listed on your December 2016 billing statement (enclosed), and their Customer Service Department advised they do not accept access checks as payment for purchasing merchandise. Please note, the access check is linked with your credit card and not a checking account.Additionally, I located call recordings with both our Customer Service and Escalations Departments. During the calls the agents advised that access checks can be processed at the merchant’s discretion, and further advised that due to you using your credit card versus the access checks offer, we’re unable to apply the promo to the transaction for $[redacted]. This is because the promotion has a certain segment that transaction is applied to. Your credit card was not part of the promotion that was being offered to your account and is not coded to this segment, so the transations had interest billed at your Annual Percentage Rate which is at [redacted]% variable for purchases. We are also declining your request to credit the interest charges.Please be assured the Capital One adheres to all applicable laws and regulation concerning the management of our accounts.© 2017 Capital One. Capital One is a federally registered service mark. All rights reserved. If you have additional questions, feel free to call me at 800-955-1455, Monday-Friday from 8 a.m.-4:30 p.m. PT. When contacting me, please use [redacted] as the 6-digit phone PIN when prompted. My 7-digit extension is [redacted]. I am glad to help any way I can.Sincerely,Janina C[redacted], on behalf of Capital One

NEVER! USE CAPITAL ONE! The absolute worse bank next to [redacted] bank to deal with. Customer service that is no help. in fact never dealt with one that knew thier rear from a hole in the ground. And when u try to refinance because your absolutely fed up dealing with them they give u a 10 day payoff then take 20-30 days to process then hit u with late fees and daily interest to suck more money out of you. Its hard to be a blue collar worker which is the backbone of this country when everything is ran by crooked corporations that payoff senators to overlook the big issues like these.

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.
Based on your reply - why then did CAPITOL ONE BANK give me permission to charge the card?
If there were any issues I should have been told not to charge the card. The directive came from capitol one and capitol one is ultimately responsible.
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.]
when I call in to make a payment and simple  request of them just givign me my confirmation number is met with thats not our policy we are not goning to do it and when I make my payment and the change my mom minimum do and dont tell me and let me make it for a lesser amount and then  charge me a late fee their so called fix for that was taking off the late fee thats their fix that makes it all better no
[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.]
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...

program. In your correspondence, you stated there was a system issue that caused your December 2016 payment to be counted as late. I was able to confirm there were no system issues at that time. On December 6, 2016, you made an online payment of $[redacted]. However, your payment was made after the cut off time of 8 p.m. ET, so it was applied to your account on December 7, 2016. When online payments are made after the cut off time of 8 p.m. ET, the system does not give you the option to select the same day. As a result, your December 2016 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 due. Our records show your December 2016 payment was the second payment due on your account. I’ve confirmed your account is still enrolled in our Credit Steps program. Your 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 program. At this time, we are unable to increase the credit line on your account from $[redacted] to $[redacted] © 2017 Capital One. Capital One is a federally registered service mark. All rights reserved.If you have any 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 am glad to help any way I can. Sincerely,Tiffany R[redacted], on behalf of Capital One