Capital One Financial Corporation

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 have continuously been in contact with Capital One fraud department and have spoken to over a dussin fraud specialists since I discovered the fraudulent charges on my account in May 2015. Each and every time, the fraud department managers ensured me that the matter has been resolved and that the four fraudulent charges - $109.99 each - will be credited to my account within a few days. Indeed the charges were credited, only to be charged back again by the company involved in the fraud case - [redacted]. In September 2015, a fraud department manager I spoke with, supposedly called [redacted] while asking me to hold, and personally resolved the issue, so I was told. The charges from [redacted] stopped, but  Capital One failed to credit the four fraudulent charges on my account. Since then the case has been transferred from the dispute department to the fraud department back and forth, and the representatives have been telling me each time I called that the matter has been resolved and I will see the four fraudulent charges credited to my account within a few days. 
It is not satisfactory to me to, at this point, several months after the fraud case has been resolved, tell me that the case is still being investigated. Only a few days after I filed my complaint with the Revdex.com, Capital One credited my account with three of the four fraudulent charges. I do not understand why the remainder one charge of $109.99 was not credited at the same time, and until today I have not received any information regarding the reason for this from Capital One.
As a fraud victim I find it very frustrating to have to be dealing with this issue for over 9 months, and having to turn to the Revdex.com in order to get help with getting this issue resolved once and for all. I feel as I have been misled by Capital One fraud department supervisors who have been telling me that the matter is resolved each time I called them.
I will find it satisfactory once I receive the final credit for the one remainder fraudulent charge of $109.99 that is still showing on my account.
Regards,
[redacted]

I'll be closing my account once the account is paid I hate businesses that lie. That is not what my balance is. Amazing this is a secured credit card and they can screw a consumer over like they...

didRevdex.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 find that this resolution would be satisfactory to me ONLY when...

[redacted] responds. If I do not agree with the response with [redacted] I will continue to move forward with this complaint. 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]

Change your name to CRAPital One, abusive, rude, unreasonable, collusive, bullying. Crapital One stands up for their corporate buddies and craps on their customers. Thanks for nothing, keep up the good work of crapping on the little man to support corporate greed and oppression.
After several notifications that a vendor was inappropriately charging my card and several card cancellations (by me) to try and prevent the charges Crapital One demanded payment on the third card they issued that I had not even activated (they activated and allowed the charges). I paid the first two extra charges, but once I refused to pay the third charge Crapital One finally closed the account and wants to collect from me. I refused and reminded them that I notified them several times and that several cards had been issued to try and prevent the charges however the left hand didnt talk to the right one in their organization so I did not believe that a form letter notification from the vendor saying the charges were authorized was sufficient to support me paying the fraud a third time. Crapital One stood behind their corporate buddy and demanded payment or they would report to the credit agencies. I refused to be blackmailed by Crapital One so they have reported non-payment. Several collection agencies and attornys have contacted me on behalf of Crapital One to try and collect the $400; however each time I explain the facts they return the account to Crapital One, everyone that touches this account knows what they did was wrong except the croonies at Crapital One, they are using their size to hide behind their corruption. If anyone with common sense actually took the time to research my situation I doubt they would continue to try and extort payment from me.
[redacted]

Dear [redacted], This letter is in follow up to your concerns submitted to the Revdex.com (Revdex.com), about unauthorized transactions on your account. Thank you for your patience while we resolve this, and we apologize for any inconvenience that may have been caused to...

you. Based on the additional information we received, we’ve permanently credited your account on June 23, 2015, for $1,815.00. This amount is for the three unauthorized transactions of $605.00 each from [redacted], which were charged to your account on February 08, 2015. This credit will appear in your July 2015, statement. In your complaint, you indicated that your son, the authorized user on this account, is in the military. First, we want to thank him for his service to our country! In an effort to determine whether your account is eligible for enrollment in our Servicemembers Civil Relief Act (SCRA) Program, we researched his status in the Defense Manpower Data Center (DMDC) database maintained by the United States Department of Defense and confirmed his active duty status. As a result, SCRA benefits will be applied to your account ending [redacted]. You will receive an enrollment letter from our SCRA Department with more details about our Program. If you have any questions or concerns, please call me at 800-955-1455, Monday through Friday from 8 a.m. to 4:30 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy to help any way that I can. Sincerely, Yaime Baca, on behalf of Capital One

Dear Mr. [redacted],Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of [redacted] for resolution. While [redacted] has an established partnership with Capital One N.A., we provide the in-house servicing for your [redacted] Charge account. As it is my...

intent to provide our valued customers with quality service, I appreciate the opportunity to review and resolve your concerns.In your complaint, you state you did not receive your April 2015 electronic statement notification, resulting in you missing your April 2015 due date. You state this is an error caused by Kohl’s, and request that the interest charge on your account be refunded.As a courtesy to you, we have credited $1.28 in interest charges as requested. This credit will appear on your May 2015 billing statement.I researched your concerns and found that your electronic statement notifications are being issued to the email address [redacted] I also confirmed we have not experienced any issues with our electronic statement notification system that would result in you not receiving your notifications, and we have not received an undeliverable message when sending statements to your email address.To ensure timely delivery of your [redacted] notifications, please make sure you add [redacted] to your contacts. Some email providers may flag our emails as spam or junk mail. Additionally, please keep in mind that your statement is not sent via email, but rather posted to your My [redacted] Charge account online. The email is only a notice that your statement is available for viewing. We have no record of your request to be removed from paperless statements.Mr. [redacted], we look forward to serving your needs in the future. If you have any further questions, please do not hesitate to contact me directly at [redacted]My Regards,

[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 have determined that this proposed action would not resolve my...

complaint.  For your reference, details of the offer I reviewed appear below.They have not listened to the conversations I had with [redacted] who told me that this would not reflect as charged off. This is the reason why I accepted the offer. They should follow up on what they offer and not disclose partial information so that the customer accepts the offer. This is not right.. they should listen to the conversations I had with her... She told me that, otherwise I would not have accepted it.
Regards,
[redacted]

Dear [redacted], I am reaching out to you about your complaint to the Revdex.com, about an IRS 1099-C tax form you...

received and the validity of your account. We value your feedback, and we’re glad to share more information about this. My research confirmed that your account was originally a Best Buy account that was opened with [redacted] Bank Nevada, N.A. on March 7, 2007, through online application. [redacted] Bank sold the majority of their North American credit card portfolio to Capital One on May 1, 2012, including this account. At the time of sale, Capital One became the legal owner of the account. In response to your complaint, our Fraud Department conducted an investigation into this matter. Based on this investigation, we’ve determined that the account ending in [redacted] is a valid account that belongs to you. The account was opened using the address [redacted], which links to you in public records. In addition, your account profile was updated for other addresses that also link to you in public records, specifically [redacted] 
[redacted]. We have also verified that the date of birth and social security number on the account belong to you. Based on this information, we’ve been able to verify that this is your account. In your complaint, you indicate receiving a 1099-C for the tax year 2014. Due to delinquency, [redacted] Bank charged off this account on February 28, 2009, with a balance of $1,650.32. Before selling its credit card portfolio, [redacted] Bank attempted to collect this delinquency balance from you through litigation. On June 17, 2011, [redacted]., the law firm representing [redacted] Bank, dismissed that case without prejudice and sent you notice of this dismissal (copy enclosed). Please understand that this dismissal did not invalidate the debt. On December 31, 2014, we made a voluntary decision to stop attempting to collect this outstanding amount from you. A 1099-C was issued to you on December 31, 2014, for the amount of $1,650.32, since we are no longer collecting upon your account. I have also confirmed that we are no longer reporting this account to the Credit Reporting Agencies (CRAs). If you have additional questions or concerns, please contact me at [redacted]. I am available to assist you from the hours of 8:30 a.m. to 5 p.m. PT, Monday through Friday. Sincerely, 
[redacted], on behalf of Capital One

Dear [redacted]This letter is in follow up to our phone conversation from January 11, 2017, regarding your complaint received from the Revdex.com (Revdex.com) with concerns of...

possible unauthorized payments and transaction activity on your account.As we discussed, the account is not set up with auto-payments. We do show the payments processed to your account on December 2, 2016, for $[redacted], and December 30, 2016, for $[redacted] were processed through your mobile app. We confirmed that a payment scheduled confirmation email was sent for both payments, to your email address we have on file of [redacted]. There is no indication of fraudulent activity regarding these payments. Regarding your cash advance transaction of $[redacted] reflecting on your September billing statement, our investigation shows this was processed as an ATM transaction with the card present and PIN number entered. You also confirmed your card is in your possession. I understand you would like to resolve this issue, which includes crediting the transaction amount, as well as all related fees and interest charges. Because our investigation shows no indication of fraud, we are respectfully declining your request. Please note, per our phone conversation from January 4, 2017, as a courtesy, I waived the interest charges and fees appearing in your November and December 2016 billing statement in the amounts of $[redacted], $[redacted], $[redacted], $[redacted], and a past due fee of $25.00. These credits appear on your January 2017 billing statement. If you have any questions or concerns, please give me a call at 800-955-1455, Monday-Friday from 7:30 a.m.-4 p.m. PT so we can work this out. 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,Lola L[redacted], on behalf of Capital Onecc: Revdex.com© 2017 Capital One. Capital One is a federally registered service mark. All rights reserved.

[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].
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]

We received duplicate complaintsfrom the [redacted] for the following Revdex.com cases below.  Please close this out onthe Revdex.com portal, we will be responding through the [redacted] regulatory channel.

[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 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]   
They should not be allowed to ask for these documents I want the account deleted from their site

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,

I have a Capital One credit card, [redacted], and [redacted] account. Capital One has been excellent with regard to customer service, proactive credit limit increases, notices, ease of use of website, and other things. I would recommend them to another person.

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 do not accept the offer made by the business because [redacted] did not specify whether or not the account is still opened as of today or the account has been closed. Another thing, if the balance is eliminated from the account?
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 was fully aware that the APR rate of [redacted]% was the same for purchases and the cash advance on my account.  In the Capital One reply they state, themselves, that the cash advance and purchase balance were treated as one, then why were they listed separately on my statement? Also I couldn't find in their rules, where it states payments are applied when they listed them separately with the same APR?   I would sure appreciate that answer!I tried calling but the line is usually busy and I work 8-5 and their hours are 8:30-5.
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 was unable to respond on the complaint my claim has not been resolved Capital One has not done anything to resolve my complaint nor contact me in regards to my complete I received one phone call and that was it they consistently say that they send the documentation that was never sent to me I received every of statement via email I never received any statements VIA mail. They have not resolved the issue and I am still wanting my complaint to stand.
Regards,
[redacted]