Capital One Financial Corporation

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 
First of all, your company strategically disregarded my complaint sited for 2013; which makes me question Capital One's intent. Secondly, I don't believe your facts to be in order. That is certainly not how I remember it being explained telephonically. Based on your attached response the "extensions will move 2 payment of $431.09 each to the end of the loan term." If you moved October and November to the back of the loan on November 1st, how could I be more than 30 or more days late for October and November? If I was late then when where they paid? Isn't that charging me twice since 2 payments were moved to back of the loan and you claim to have scheduled check by phone payments for August and September?
Payments in the amount of $540.00 on 1 August 2012 and $450.00 on September 20th 2012 both posted to my personal check account. Again, if your response is accurate, where was the September 20th payment applied.
In the "What you need to know" section of the Extension you attached it clearly states that it "is a service we offer to help you keep your account current. It's one way to catch up on payments and avoid a possible late fee or negative impact on your credit." Clearly this is not what Capital One intended to uphold. With the time and effort it has taken in attempts to resolve this matter, I'm afraid I may need to escalate these issues to federal authority.
Regards,
[redacted]

This is a duplicate case we previously received through the [redacted] and [redacted] regulatory channels for this customer. We will be responding to the [redacted] and [redacted] with our response.

[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] 
I’m reaching out to you about your concerns submitted to the Revdex.com (Revdex.com) regarding emails that you have been receiving and your request to remove your email address from our records....

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. On December 23, 2016, I removed the following email address from our records: [redacted]. I have also removed the email address from our email offers list. Please note it may take up to 10 business days from the date of this letter for all email from us to stop. You also had concerns about how this will affect your credit file. We do not report email information to the [redacted] and can confirm that this should not affect your credit file. I have provided the contact information for the CRAs below for your reference. [redacted]
[redacted] 
[redacted] 
[redacted]
[redacted]
[redacted] If you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from 9 a.m.-6 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,
Judith R[redacted], on behalf of Capital One cc: Revdex.com © 2016 Capital One. Capital One is a federally registered service mark. All rights reserved.

I recently opened an account with Capital One. My account was locked due to me access the website while traveling for work. When I called in to the Customer Service Center, they advised me that I needed to talked to the security team. I understand that point and have no issue with it. My problem is that I've had to calling 4 different times and all I get is a voicemail box for the security team and never get a call back. At this point I asked the customer service supervisor to close the account. She told me that I would have to have the security team help with that. So now I'm stuck with an open account that I can't access, use, or close...
Thank You 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 have received an invitation from Capital One to apply for a [redacted]. I have a good credit ([redacted]) and applied on their website which supposed to give me an answer in 60 seconds. Since I have a fraud security alert on my credit report, their system didn't give me any answer online and notified me that they will contact me later. They never contacted me and never sent me any mails for 20 days. Then I got an email from them that they couldn't obtain my phone number so they couldn't approve me. I called the 800 number and a representative gave me the Capital One Fraud department. The phone number takes you directly to a voice mail which asks you to leave a message and somebody will call you within 24-48 hours. I have called them 4 times in the span of 20 days but nobody called me back. My problem is not to get the credit card from Capital One, my problem is that they have got my credit report ([redacted]) so I've got a negative point already and then they even didn't deny me. They are looking for my phone number and I can't give it to them because their fraud alert department doesn't answer their calls. This complaint is mainly to report Capital One is an irresponsible and incompetent company who doesn't value their client relationship.

[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 but the point of this complaint was the fact that the lady held me up on the computer for two hours and she kept putting me on holdWhen  I was able to gain access to a telephone all I had to do was over the automated system which required the same questions that the lady in chat had asked from me. 
[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'm not satisfied with the outcome of this investigation. I feel that it's unreasonable for the company not to remove the 30 day late payment flag when they acknowledge in the attached letter that there was an issue with my receiving my March 2015 statement. All I'm asking for is a goodwill adjustment since as soon as I was aware of the late payment I paid the amount due including fees immediately. After I had brought the account up to date the company then reported me as being late. The flag has decreased my credit score by 66 points. I don't think I'm asking to much for a one time adjustment since there was obviously an issue with my receiving the statement. Further more a payment for may was taken from my account when I had a zero balance on the account. Their system is not full proof.
Sincerely,
[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.
First off I have had to sit here for three weeks Because  capital one never did send any documents until  i mention it in the complaint they law firm never once try to contact me via mail nor did I have any idea why the debt was discharged. AND CAPITAL ONE HAS TO UNDERSTAND THAT NOW THAT IT TOOK THEM MORE THAN 3 WEEKS TO PROCESS THIS COMPLAINT AND IN THAT TIME ANY TAXES THAT NEED TO BE PAID HAD TO BE PAID ON THE 18TH BECAUSE CAPITAL ONE TOOK SO LONG I AM NOW I AM LATE AND WILL BE CHARGED ADDITION PENALTIES AON UN PAID TAXES. DOES CAPITAL ONE UNDER STAND THAT MY MOTHER DIED DOES CAPITAL ONE UNDER STAND THAT I HAD CONSIDERED TAKING MY LIFE TWO YEARS AGO WHEN I WAS DEALING WITH ALL OF THIS IN 2014 I WAS ADMITTED TO A PSYCHIATRIC HOSPITAL UPC IN 2014 WHEN SEVERAL POLICE OFFICERS CAME OVER TO DO A WELLNESS CHECK. I HAVE WORKED VERY HARD TO GET ON WITH MY LIFE BUT FOR FIVE YEARS I HAD TO HAVE THIS HANGING OVER MY HEAD AND NOW I HAVE TO DEAL WITH THIS ITS ABSURD. AND ALL THAT LADY OVER THE PHONE SAID IS I NEED TO CONTACT A TAX ACCOUNT. WHAT NERVE DOES SHE HAVE WHEN I NOW HAVE TO TAKE MORE TIME MORE ENERGY TO DEAL WITH THIS AFTER EVERY TYHING I HAVE BEEN THROUGH SHAME ON CAPIT ONE SHAME ON THEM YOU HELD THIS UP YOU TOOK MY TIME THAT I COULD HAVE HAD TO RESOLVE THIS NOW NO MORE HARD SHIP I CABNT TAKE WHAT CAPITAL ONE HAS DONE AND THEY NEED TO RESOLVE THIS MATER IF I HAVE TO FILE THIS COMPLAINT WITH THE ATTORNEY GENERALS OFF IF I HAVE TO SUE THAN THAT IS WHAT I WILL DO BECAUSE I SIMPLY CANNOT GO THROUGH ANYMORE HARDF SHIP BECAUSE OF CAPITAL ONE. 
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]

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 attachment letter indicated that Capital One did not delete the item and refused to delete it from my credit reports [redacted] AND [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.
Capital One still is not  agreeing to thier advertisement. As I told the representatives I am not talking about my current credit card but the credit card and terms advertised. Please see below:Required Security Deposit
$49, $99 or $200 refundable deposit based on your creditworthiness
 
As you can see below it states the security deposit will be refunded not when you close your account but when you are credit worthiness,
 
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 lied over the phone to me.  They offered me no solution and could not even tell me when I would be able to qualify for another extension.  I would like to state that if they can not offer a solution that is fair then I will simply file another complaint and file other complaints with multiple government agencies.  I would like to request a copy of the recorded phone call I made when I first called asking for an extension when the agent over the phone laughed when I told him that they basically leave people with no options and could not tell me when I would qualify for an extension on my car.  I refuse their offer.
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.

Please see our attached response

Please see attachment.

[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]

[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]