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.
Capital One has still not given a specific reason why my card was canceled, so until they prove that I did something that was inappropriate, their generic response is not acceptable.
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]

Re: Account ending in *** Capital One Case: *** Revdex.com No: *** 
Dear Donna Cullaz, Your complaint to the Revdex.com was forwarded to the attention of the Executive Office for response. Please allow me to address...

your concerns. We have reviewed your complaint regarding interest being charged to this account and found that on December 18, 2014, we provided a letter to you through the Consumer Financial Protection Bureau (CFPB) that details our position regarding the account in question. We feel that this response fully addresses your concerns, and we continue to uphold our position. For your review, we have enclosed a copy of our letter dated December 18, 2014. If you have any additional questions, you may contact me at ***. I can be reached Monday through Friday, from 8 a.m. to 4 p.m. ET. Sincerely, 
*** ***, on behalf of 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]

[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]. Thanks for your time and response.
Regards,
[redacted]

Dear [redacted], I’m reaching out about your complaint regarding stopping offers that we are mailing to you. This is the follow up...

to our phone conversation on February 24, 2015. I am sorry for any inconvenience this may have caused you. On February 24, 2015, we removed your name and address referenced above from our mailing list. If you were selected for any offers before we processed this request, you may still get mail solicitations for the next several weeks. We don’t show a previous request on file to opt out your contact information. Your preferences will only apply to the contact information shown above. Please reach out to us if there are any name or address variations so we can enter those also. If you have any questions or concerns, please give me a call at [redacted], Monday through Friday from 8 a.m. to 3:30 p.m. ET. I’m glad to help any way I can. Sincerely, [redacted], on behalf of 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]

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'm not happy with the answer I received.  They STILL haven't told me why its almost $400, at the time just being 2 days past due.  My husband wasn't happy, neither was I. We were both in shock and REFUSE TO PAY THAT AMOUNT.  IF THEY CAN GIVE US AN ANSWER WHY THE PAYMENT WAS THAT HIGH,  THAT'S GREAT.  IF NOT,  WE'RE CONFUSED AND DEMAND ANSWERS. 
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.]
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 [redacted], and have determined that this proposed action would not...

resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Capitol One uses unfair practices - they throw a rock and then hide their hands. For example when they acquired HSBC credit card customers we were not given a choice in the matter. HSBC Bank was found guilty of laundering drug cartel money, fined and thrown out of the country. Any and all debts that any cardholder had with HSBC should have been thrown wiped out. The US Gov't fined HSBC hundreds of millions and kept the money. But then US Gov't allowed HSBC to sell their Credit Card accounts to make the money back. All parties to these proceedings no matter what are dishonest and do not serve the American Citizens. I mentioned this to show the character of Capitol One Bank. Online at least when I sign in it shows my correct income. However, their own Customer Service Representative told me that on their records as far is she could see my income was $4000. Capitol One records all phone calls have them send over the tape. Furthermore, please request that Capitol One send me a copy of the correspondence that they forwarded to the Credit Reporting Agencies verifying my income prior to extending me a line of credit. 
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.]
Thank you for sending me the letter to attempt to clarify what happened to my account. I partly consider your clarification correct about the fact that you should've not closed my account and consider it as an error. I also think that your apology is sincere.
What I cannot accept is the fact that you still ignore my driver license different from other [redacted] state residents. In addition, your bank teller already verified my ID when opening the account. To make matters more ridiculous, my other accounts, Capital 360 with savings, checking, and brokerage accounts all used the same driver license for identification and never issued any concern or problem.
As a result, I cannot accept your letter because you don't still admit your negligence or mistakes from branch manager. I hope that Capital One, as a corporate and one of the big banks in the States, showed the full extent of apology as I originally requested. Covering your employee's negligence or lame performance is not what I cannot accept.
Thank you
[redacted]
Regards,
[redacted]

Revdex.com:In reference to Capitol One's Letter. I did not decline what was offered to me. I spoke with a customer service representative and they told me that they could not offer me any additional payment plans or other offers that were coming up.  I did see the [redacted] deduction, so thank you. Unfortunately, I am unable to pay the full past due amount due to a loss of a job and additional financial hardships. I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution is semi 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 made by the business in reference to complaint ID[redacted], and find that this resolution would be satisfactory to me, they have...

given me a good will credit on my account, but they have not actually corrected the issue, so it still may reoccur in the future. Should this occur I will submit a separate complaintI 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 a[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]

[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 left a message for Ms. [redacted]. Her letter was a pathetic attempt to pacify me and the situation at hand by indicating Capital One could not "FIND" any information to substantiate my claim. I am substantiating my claim, quite simply my request to have my due date changed was not put in place. I want it put in place now, retroactive to the date I started every 2 week payments. The entire reason and purpose for my bi monthly payments was to accelerate my payoff, and reduce the interest paid. I would not have gone through this process otherwise. 
I also want to clarify the 8 late payments, IF any of these "late payments" were during the time frame of my every 2 week payments it is inaccurate, and needs to be corrected.  I would like this resolved as soon as possible, a mistake was made and it needs to be resolved. I am not interested in another letter portraying how Capital One cannot find the information, that's quite frankly too bad. 
Regards,
[redacted]

Dear [redacted] You recently contacted the Revdex.com about a disputed charge from [redacted] for $[redacted], billed to your account on September 9, 2016. We understand...

you’d like us to permanently credit your account for this charge. 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. We took another look, and our research confirmed that the actions taken on your dispute were correct. In this instance, we are declining your request for a permanent credit. Here’s a summary of the actions we took during the dispute: After receiving your dispute, we issued temporary credit on September 22, 2016, to your account for the disputed transaction. We contacted the merchant and they responded to the dispute on October 25, 2016. Based on the information we received, the merchant’s decision not to honor your refund request appears consistent with the terms and conditions the merchant makes available to consumers in connection with the purchase at issue. As a result, we re-billed the disputed transaction. It did appear on your November 2016 billing statement. To help with your records, we enclosed the following: x A copy of the merchant’s policy that’s available to customers x A copy of the letters we sent about your dispute x Your November 2016 billing statement showing the temporary credits and rebilled transactions During your call with us, we advised you we would need proof of the cash payment to further assist you, and we will not able to contact the merchant’s account department since all the required documents were already provided by the merchant. © 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 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,Minna S[redacted], on behalf of Capital One Enclosurescc: Revdex.com

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.1.  I see you was able to find the papers that I was told was lost that stated it was paid by other means which states on the paper CASH.  
2.  If you was not going to do that [redacted] was going to say then why was a 3 way call even done?  They said you needed to speak to someone in the accounting dept.  Which you never called them.  
3.  After I opened this up with the Revdex.com you keep calling me.  Which should have never been done that's the whole reason getting in touch with the Revdex.com.  I don't have hours to spend on the phone with Capital One.  
4.  I'm not paying this charge again when I have already paid for it.  I will file [redacted] before I pay Capital One this!
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]
Hello, I have submitted a complaint against Capital One for this same reason in the past and received a letter from Capital One stating they had resolved the issue and it would not happen again. Yet it continues to happen. I primarily use my American Express Card and on that account I have additional cards. I use to work for [redacted] so I added additional cards so I could help others add additional cards. So I added [redacted] to my account, which is my first and middle name with my last name missing. Some how Capital One got info from [redacted], which is highly upsetting in my opinion. I still get card offers from Capital one in the name of [redacted]Capital One please take me off your solicitation list. I kindly ask you to do this. If you need to call me to obtain my information so you may complete this request please feel free to call me.

[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]