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.
[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 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]
First of all these people do not understand PTSD. I asked them to educate themselves by visiting the [redacted] It would at the very least give us some common ground. My care giver and I made payments on their WEB site until they Updated/change their site. From the update/change until present we could no long gain access to Make payments. Capital One response was to make the payment another way. (PTSD) makes that hard for me and when my care giver and I resolved the second method of payment as a call to make Payment, Capital One refused to take the Payments by phone, (I wasn't in Texas until January 2015). She could make payments with my card on the internet but not by voice. Is something WRONG with this picture? I am receiving treatment at Houston's VA Medical Center, and that was the reason for the move. The cost of living here is at least 20% higher than where I lived. There is no way to catch up on the payments that were REFUSED. I again request that the payments Missed be placed at the end of the loan and to stop pinging my credit report. I have tried to sell the Vehicle to a dealership but they won't touch it because of the late payment, being the value is exactly what's owed on it. I tried to move into a single home but the same thing applies. I wish I didn't have these problems but I'm working on them. I do my best with what I have but some hurdles take time to resolve.
Thank you.

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.There was no contact from Capital One at any point regarding the issues they are stating and I was given no opportunity to resolve the issues.  At no point did Capital One inform me of an issue except for when they closed the account, without any warning or contact.
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]

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.
You have acknowledged my complaint, but have done nothing to resolve it. The $2000 credit limit increase you are referencing is one that I was entitled to for making my first 5 payments on time for the [redacted] card, and does not reflect anything having to do with the card combination process.
It's very simple. Capital one is offering a service, denying me that service, and refusing to explain why I'm being denied. The explanation of all the information being contained within the app is unacceptable.  The service is being advertised with the only caveats being publicly available. Unless all reasons for possible denial are made publicly available upon request, this falls into the realm of false advertisement. 
Regards,
[redacted]

Dear [redacted] I’m reaching out to you about your concerns submitted to the Revdex.com (Revdex.com) regarding the closure of your account.  font-size: 11px;">After conducting a review of your account, we made the decision to suspend and close your account on December 2, 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. Capital One complies with all applicable state and federal regulations. Once an account closed, any rewards that were not redeemed are forfeited and this decision can’t be reversed. If you have any questions or concerns, please give me a call at 800-955-1455, Monday-Friday from 8:30 a.m.-5 p.m. PT. 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,Marie M[redacted], on behalf of Capital One Enclosure cc: Revdex.com

[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 do not have any money and can not get a job because of what they are reporting on my credit report.  How am I suppose to make a payment plan if I can not get a job. I have attached where my offer letter was rescinded because of what capital one is reporting. Regards,
Hello,
 
I have reviewed your Equifax credit report as part of our security processing and there is an item showing in collections. [redacted] requires that all delinquent accounts are paid in full or brought current. You will need to take care of this issue as soon as possible, if you have not already done so, in order to remain in processing for a public trust approval. You will need to provide proof of payment that the account in question has been resolved.
 
The accounts in collections:
-        Medical –     $[redacted]
-        Medical –     $[redacted]
 
The accounts in question:
-        Capitol One – past due $[redacted]
-        Capitol One – past due $[redacted]
-        Capitol One – past due $[redacted]
Jun 13
to me
[redacted]

Hello,Please see attached Judgment release document. We apologize for not attaching this previously.Sincerely,Erika D[redacted], on behalf of Capital One

Dear [redacted], Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of...

Kohl’s for resolution. While Kohl’s has an established partnership with Capital One N.A., we provide the in-house servicing for your Kohl’s 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 March 2015 statement, which subsequently led to you missing your April 2015 due date and a late fee billing your account. You ask that we refund the late fee based on this information. As a courtesy to you, we have credited the $25.00 late fee back to your account. This credit resulted in a credit balance in the amount of $25.00. You can use this credit against your next purchase, contact us directly to have a check mailed to you, or a check will be automatically issued to you if the credit balance remains after 90 days of no new activity. Our records show that your March 2015 statement showed a balance of $54.11, with a minimum of $25.00 due by April 12, 2015. Regrettably, we did not receive your payment by the due date, resulting in the assessment of a $25.00 late fee to your account. This fee appeared on your April 2015 billing statement, which reflected a balance of $80.17 and a minimum of $51.00 due by May 12, 2015. On April 22, 2015, we received your payment of $80.17, bringing your account balance to zero. I have confirmed that you registered for e-statements on November 17, 2013, with your email address listed as [redacted]. We have not received any returned statements from this email address. Even though the assessment of the late fee is in accordance with your Cardholder Agreement with us, we have refunded the fee as explained above. I trust the information provided resolves your concerns. If you have any further questions, please do not hesitate to contact me directly at 262-704-9413. Sincerely, [redacted] Sr. Executive Correspondence Advisor Office of the President Kohl’s Department Stores

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 information we’ve reported to the [redacted] Agencies, like [redacted] and [redacted]  11px;">We understand you would like us to modify the information we reported about your account. Our records show that your account had a balance of $[redacted] for your December 2016 statement, and we’ve confirmed that we’re reporting accurate information. For this reason, we are unable to send an update to modify your credit file. For more information about how this reporting may affect your credit profile, please contact the agencies directly. [redacted] 
[redacted] 
[redacted] 
[redacted] 
[redacted] 
[redacted] If you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from 8 a.m.-5 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, Amanda *. T[redacted], on behalf of Capital One cc: Revdex.com © 2016 Capital One. Capital One is a federally registered service mark. All rights reserved.

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.]May 10, 2016
I do not accept what Capital One Bank wrote in response to my Revdex.com Complaint.  I will only pay $25.00 a month until further notice, or until my account is paid off, and I will only pay for what I charge on this account.  I will pay on this account between 36 to 40 more months at $25.00 a month, any made up fees or made up charges--drop it.
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]

[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. 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]

Dear [redacted] 
You recently contacted the Revdex.com (Revdex.com) about a disputed charge from [redacted] for $[redacted], billed to your account on October 12, 2016. We understand you’d like us to permanently credit your account for this charge. We took...

another look, and our research confirmed that the actions taken on your dispute were correct. However, we made the decision to permanently credit your account for the amount of the disputed transaction. The credit will appear on your January 2017 billing statement. To help with your records, we enclosed the following: x A copy of the letters we sent about your dispute x Your October 2016 billing statement showing the temporary credits When we spoke on January 6, 2017, you requested to have your Annual Percentage Rate (APR) lowered on both of your accounts. After reviewing your accounts, there was an offer to lower APR to [redacted]% ([redacted] + Quarterly Prime) variable, for seven months. You accepted the offer, for both accounts, and you’ll see this change reflected within 1-2 billing statements. Per IRS regulations, we may issue a 1099 and send you a copy. If you receive one, please consult your tax advisor and the instructions on the 1099 form for more information on how this may impact you. © 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 [redacted], 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 in any way that I can. Sincerely,Nicholas P[redacted], on behalf of Capital One