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] First of all these people do not understand PTSDI asked them to educate themselves by visiting the [redacted] It would at the very least give us some common groundMy care giver and I made payments on their WEB site until they Updated/change their siteFrom the update/change until present we could no long gain access to Make paymentsCapital 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 voiceIs something WRONG with this picture? I am receiving treatment at Houston's VA Medical Center, and that was the reason for the moveThe cost of living here is at least 20% higher than where I livedThere is no way to catch up on the payments that were REFUSEDI again request that the payments Missed be placed at the end of the loan and to stop pinging my credit reportI 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 itI tried to move into a single home but the same thing appliesI wish I didn't have these problems but I'm working on themI do my best with what I have but some hurdles take time to resolve Thank you

Dear Revdex.com: I have reviewed the letter from Capital One in reference to complaint ID [redacted] , and have determined that their proposed non action would not resolve this complaint We request removal of one of the two credit inquires from all credit reporting agenciesCapital One Auto Finance: March 03, and March 07, Please remove one of the two as it is considered a duplicate request and all credit reporting agencies do agree one of the two should be removed and they request a letter from Capital One Auto Finance for removal of one of the two Thank you for your time and cooperation in this most important business matter Warmest Regards, [redacted] Business Manager cc: [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]

I recently applied for a Capital One secured credit card and was approved on 8/requiring a deposit The deposit was made the same day and I was informed it would take 2-weeks to receive the cardMy account was opened on 8/ Based on standard banking practices the card would have been ordered shortly after opening accountI called on 8/and I was informed to allow days from date of opening to received card What I don't understand is why it would take days to received the card (excluding any mail delays) The card had been ordered on 8/however had not been shipped This either represent the need to streamlined the process and/or serious inefficiency with the processWhat makes it worst is the Customer service specialist don't seem to be adequately trained to explain the delays/processing times

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 fails to accept that I did not get the room that I was promisedThe Hotel staff and [redacted] did NOT provide me with any assistance when I neededA room was available HOURS after the time I scheduledMost importantly, IT WAS NOT THE ROOM THAT WAS RESERVEDI provided Capital One with the emailed confirmation that CLEARLY stated my room was to be a deluxe junior suite with an ocean viewI did not get said roomI was fortunate enough to find family, to use their room to prepare for the weddingFurthermore, I refuse to pay for something I did not receiveI cannot believe Capital One supports the deceptive practices of [redacted] ***By offering me vouchers, the company assumes I want to fly to Mexico and patron their resort againThe Hotel made too many mistakes for me to visit againI would be foolish to make arrangements with such an establishmentI will never plan travels with [redacted] again eitherCapital One claims they need proof of cancellationMy statement to Capital One has continuously been that my room was given away prior to my arrivalThe hotel cancelled my room! I do not understand how "executives" cannot comprehend that; the cancellation was at the hand of the hotelCapital One has known this from the beginning of my complaintWhen I was in Mexico, the Hotel and [redacted] continued to blame each otherNow that I am safely in the United States, I am reversing the charges through my credit card companyThe company that supposedly guaranteed "no hassle disputes." The time to offer any voucher, was at the time of incidentI cannot risk flying to the same hotelI demand Capital One pull the $from [redacted] as the company breached the initial contract that was madeBy siding with the company that did not provide what they claimed they would, Capital One supports deceptive practices Regards, [redacted]

Dear [redacted] I’m reaching out to you as a follow up to our phone conversation on January 3, 2017, you’re your submission to the Revdex.com (Revdex.com) about credit inquiries that you advised were on your credit report In order to research your claim, we need specific dates that the inquiries appearThere are types of credit inquiriesHere’s why they may be placed on a credit profile: - Hard inquiries do affect a person’s credit scoreThey result from an application for credit, and they’re visible to lenders who pull the credit report- Soft inquiries don’t affect a person’s credit scoreExamples of soft inquiries include prescreening inquiries and, in many instances, requests for credit limit increasesUnlike hard inquiries, they don’t show up on the credit report that a lender pulls when reviewing an application for creditOnly the consumer and the creditor who made the soft inquiry can see it on the reports from the consumer reporting agencies (CRAs)Prescreening inquiries allow us to identify potential customers and to tailor our products to meet their needsIf you’d like to be removed from the prescreened lists provided to us by the CRAs, please call the prescreen opt-out line at 1-888-5-OPT-OUTYou also requested that we remove you from receiving offers that you may be receiving from Capital OneI did confirm there were no previous opt out requests on fileI removed your 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’re getting mail from us with any variations in the spelling of your name or your address, a separate request may need to be submittedVariations could include, but are not limited to, the following examples: x Prior or former names x Apartment or unit listed on a separate line from the street address, rather than on the same line © Capital OneCapital One is a federally registered service markAll rights reserved.x Initials rather than the full spelling of the name This request will automatically expire after three yearsIf you wish to renew it, you’ll need to submit a new request at that timePlease note that this will not prevent our partners such as [redacted] and [redacted] from sending offers through the mailHopefully this information is helpful to youIf you have any other questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 8: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,Marie M***, on behalf of Capital One cc: Revdex.com

I'll be closing my account once the account is paid I hate businesses that lieThat is not what my balance isAmazing 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]

I paid for the payment protection plan on my account ever since I got the capital one credit card I filed an unemployment benefit in the midst of them dropping the payment protectionThey failed to honor the terms of the agreement and never processed the payments on my accountThis is fraud if you say although you all no longer offer the payment protection anyone that was enrolled still entitled to those benefits as long as you all are notified within yearMy account should be paid in full for the misleading and lack of communication with the customerNo one ever followed up with me and I have called numerous times to get this resolvedYou all supposedly dropped the payment protection in well you were notified of my unemployment claim but never followed thru with it

[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 is satisfactory to meThanks for your help! 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 belowI 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 Each and every time, the fraud department managers ensured me that the matter has been resolved and that the four fraudulent charges - $each - will be credited to my account within a few daysIndeed the charges were credited, only to be charged back again by the company involved in the fraud case - ***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 toldThe charges from [redacted] stopped, but Capital One failed to credit the four fraudulent charges on my accountSince 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 investigatedOnly a few days after I filed my complaint with the Revdex.com, Capital One credited my account with three of the four fraudulent chargesI do not understand why the remainder one charge of $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 months, and having to turn to the Revdex.com in order to get help with getting this issue resolved once and for allI 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 $that is still showing on my account Regards, [redacted]

Dear [redacted] I’ Our goal is to provide the highest level of quality service to all of our customersWe’re sorry to hear that the service you received did not meet your expectationsWe apologize for any inconvenience this may have caused.Keep in mind that credit line increases are not available upon request on secured card accountsHowever, they are periodically reviewed for eligibility based on credit worthiness and on time payments.Please be assured, Capital One adheres to all applicable rules and regulations regarding account servicingI understand you would like us to increase your credit limit, but your account isn’t eligible at this timeIn case it’s helpful, I’ve enclosed our November 2, 2016, letter that explains the specific reasons.If you have any questions or concerns, please contact our Customer Service Department at 800-227-They are available hours a day, days a week.Sincerely,Takiyah W [redacted] , on behalf of Capital One

I sent a payoff on my way overpriced car loan to Capital One Auto finance, did EVERYTHING the letter indicated, and the first customer service person told me that they didn't have the second cashier check (um, pause for a moment of freaking out)I couldn't understand her (phone line was TERRIBLE) so I had her transfer meThe second person was very nice and said that the payment was processing and I was all setThis company needs to reevaluate its customer service training program

Dear [redacted] , This letter is in follow up to the complaint you filed with the Revdex.com (Revdex.com) about the information we’ve reported to the Consumer Reporting Agencies (CRAs) like [redacted] and [redacted] .In your complaint to the Revdex.com, you advised us that your account was reporting delinquent for the months of August, September and October 2013, because of the transition from HSBC to Capital OneHSBC sold the majority of their North American credit card portfolio on May 1, At the time of the reported delinquencies, your account was owned and serviced by Capital OneWe confirmed that the months reporting as delinquent were accurateWe made a business decision to request that the CRAs remove the reported delinquencies from August, September and October For your reference, the control number for this update is [redacted] Please allow the agencies up to days to update their recordsIf you have additional questions, please call me at [redacted] , Monday through Friday from 8:a.mto p.mPTI’m glad to help any way I canSincerely, [redacted] ***, on behalf of Capital One

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 want to listen to the recording you have reviewedI specifically asked about the APRHe did say there wont be transfer fee, but the second one he chargedPlease send me an un edited copy of the call recording.Thank you, [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 have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I have attempted to get them to stop sending me offers many times now I used their opt-out hotline starting in October of 2014, and in January I finally called them directly and spoke to two different agents who assured me they would escalate my problem and all communications would cease They have not ceased still I am still getting letters from Capital One I do not understand why this company cannot just erase all of my information from their system which, to my way of thinking, would eradicate any future offers from being sent out Really, I have dealt with receiving junk mail in the past and one phone call was enough to stop the solicitation That is not the case with Capital One however, and I am not the only person they are harassing by mail I do consider this to be harassment at this point as I have repeatedly tried to get them to end the unwanted solicitations I am a woman on disability - just what do I need with a credit card? I can barely make ends meet as it is I am going to enclose what they offered me, which really was nothing at all As I said, I have been dealing with this company since last year and I am still to this day getting unwanted offers from them even after filing this complaint How hard can it possibly be to stop sending someone unwanted offers? Why, after fighting with them for months now, are they continuing to send me unwanted offers and claiming they cannot expedite the process when the agent that I last spoke with assured me it would be expedited and stopped? I am obviously being lied to here 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 10352207, and find that this resolution would be satisfactory to meThe company took swift action and addressed my concerns, I really appreciate thatThanks again! 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 appearCapital made a promise if I paid they would delete and now that I have paid they refuse to delete the trade lines So I think capital one bank is using this type of tactic to persuade individuals like myself to settle their charge off or collection account with the promise of deleting trade lines from individual credit reports and after capital one receive payment they refuses to keep their promise 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 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] The enclosed rate renewal package supplied by Capital One does not reflect the waiving of the renewal fee that they agreed to in the letterI assume I will need new loan agreement documents so that I can accept, sign and return without any misunderstanding 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] I am still not able to access my account onlineI was given a special URL with which I am able to log in to my account, but it is not the "normal" login procedure

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 belowI received your email with the results showing from Capital OneI am disputing the fact in their rejection letter stated that [redacted] doe not accept these "easy access" checksOn the contrary, they do according to the clerk that was on duty that nightAs I said before she tried many ways/times to get the check to load in their systemShe even called her supervisor who could not come up with a way either BUT the supervisor never said they do not accept access checks eitherCapital One quoted also the access check is connected to a credit card not an actual bank account (which is true) BUT the clerk and supervisor knew this as well but still tried to process the checkSo if what Capital One is saying about [redacted] not accepting these checks then someone misled me that twice (that night at [redacted] & by Capital One's brochure disclosure)In this case I believe [redacted] since they tried their best to make it work Also, their letter states they listened to the calls made between us and still came up with their rejection responseI feel someone didn't pay close enough attention to the conversations that took place on WHY I had to use the actual credit card "on the spot"They certainly couldn't take my new tires off because it was after closing that dayAlso, I feel their disclosure is "mis-leading" as I have provided proof to Revdex.comIt says nothing concerning the "retail merchant's" discretion on accepting these checksIt gives the idea of these checks can be used for "purchases" anytime, anywherePlus, their access checks disclosure states these checks are not to be sent to any bankrupt customers but in reality as I stated in my complaint, I am a former bankrupt [redacted] years ago and still received themThat's in violation of their own policyTherefore, I am asking Revdex.com to re-instate my complaint/request once againI truly feel they can adjust the interest rate on a SMALL purchase balance of $*** based on everything said and done.Please let me know of the decision.Thank you[redacted] Regards, [redacted] ***