Capital One Financial Corporation

Dear [redacted]I’m reaching out about your correspondence to the Revdex.com (Revdex.com) regarding the Annual Membership Fee (AMF)...

on your account. Your feedback is important to us, and I have good news to share.We understand your concern, so we’re going to credit your account for $[redacted] for the AMF. Please keep in mind the AMF is charged on an annual basis per your account terms.You also mentioned that you signed up for a promotion that was 24 months interest free. Our records show the introductory offer was *% annual percentage rate (APR) on purchases and transfers until September 2016 and a [redacted]% variable annual percentage rate (APR) after that.In your complaint you also mentioned that you would pay $[redacted] a month and was advised you must pay at least $[redacted] a month. Per the Customer Agreement, you must pay at least the minimum payment amount by the payment due date. Your statement will tell you the minimum payment due, your new balance, the payment due date, and explanation of when the payment must reach us for us to consider it received as of that date. I’ve enclosed a copy of your Customer Agreement, welcome kit and account terms which details everything about your account including the AMF and annual percentage rate (APR).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. © 2017 Capital One. Capital One is a federally registered service mark. All rights reserved.If you have any questions or concerns, please contact our Customer Service Department at 1-800-227-4825. They are available 24 hours a day, 7 days a week.Sincerely,Takiyah W[redacted], on behalf of Capital One

The fraud protection on my credit card is a joke! Someone was able to change all the information on my account, without having to verify they were me, schedule a payment, said payment cost me over 200 dollars in overdraft fees that was not my fault, was completely capitol one's fault! They refuse to pay the fees that their negligence in keeping my account safe from fraud cost me!

Review: On 10/25/13 I contacted capital one to pay my bill early. The bill was due on 11/01/13. I have auto direct for my payments. I requested that the auto direct pay for 11/1/13 be canceled due to fact that I was paying early on 10/25/13. The auto direct for 11/1/13 wasn't canceled and capital tried to hit my account on 11/01/13 for $398. Since had ad no money in my account there was an overdraft charge that was placed on my account. I contacted capital and notified them that they are trying to take more money and capital one stated that the auto daft wasn't canceled, which I requested that payment for 11/1/13 be canceled. Capital one customer support stated that they couldn't stop the draft and that when the money comes out for 398 that I should fax them the withdraws. On 11/8/13 I faxed capital one the overdraft and the payment they took on 11/7/13 in the total of 427.44 I requested that the money be returned immediately. I contacted capital one to notify them that the fax was sent and customer support stated that it will take two -three business days. Well I only received the ** dollars and nothing else. I waited an extra three days to see if the rest of the money was going to hit and it didn't. I contacted capital on 11/15/13 to see why I didn't receive the 398.44. Customer support then notified me that I had to fill out a form in order to get my money back. I questioned that because I received the ** dollars with no form signing and now telling me I have to fill out a form which was never brought to my attention on any of the calls. The support person I was working with states that they assumed I only wanted the ** dollars. when my fax states that I wanted all of my money retuned so I do not see how they could have assumed now I have to feel out this form to get MY money back, this is hassle with this assumption that I didn't want my money is ridicules because the proof is there. If I didn't call them back for an update I wouldn't never received my money back because they assumedDesired Settlement: DesiredSettlementID: Refund I would like my money returned as agreed immediately. I've opt out of auto direct due to this issue.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

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.]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]

Review: I have called the Capital One 360 Customer Service number 4 times over the past two days and spent over an hour and a half on the phone attempting to close a business savings account. I am the owner/sole proprieter and the only person with signatory authority for this account, yet they are refusing to release the funds to me unless I have a linked business account (of which there are currently none as I am in the process of closing the business) or provided documentation of dissolution of the business. I will not be legally dissolving the business until after my 2013 tax return is prepared. Capital One is effectively holding these funds (in excess of $78,000) hostage.Desired Settlement: I want the account closed an my funds released to me immedately.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: when I paid my bill of 2012 I was 5 minutes late on my bill. I called and my issue actually was that my min payment was 15 dollars and due on the 14th. I mixed it up on accident paying it on the 15th at 12:05 AM. It was a complete accident. I spoke to the person and they understood the issue and reversed the fee and said it would not affect me. the credit report states 30 days late and they said they would fix this and it was only 5 minutes late. my card number ends in [redacted]Desired Settlement: the updating of my credit report

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

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.]

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]. Accept in the terms that I said I didnt recall calling capital one. I stated that I mah have had the wrong card. It was more with [redacted] the old card holder

Regards,

Review: Current Annual Fee on Credit Card is 9% of the credit limit. This is excessive. I attempted to have the fee waived and account cancelled OR fee reduced. Capital One refused. It is impossible to pay down debt with an excessive fee like this.Complaint concerns: a Credit CardDesired Settlement: I would like the Annual Fee waived or dropped. I would be happy to pay a reduced fee that is fair.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

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.]

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. Thank you very much!

Regards,

Review: I have a capital one cc. I had an ongoing dispute with [redacted] network about a early termination fee. Started service with [redacted] in Oct 2014 and cancelled in Jan 2015. I was on auto pay with [redacted] with a [redacted] card from chase. March 5th had a charge on my capital one card from [redacted] network of 317.47. Called Cap one and disputed the charge. Cap one took the charge off and and [redacted] had 45 days to reply and reissue charge which they did. [redacted] provided paperwork but did not provide a payment history. They just provided the March 5th charge. I sent by email to Cap One my bank statement on the payment history that [redacted] was taking out payments from my [redacted]. Cap one decided to close the account stating that they needed a bank statement from me on when I payed this charge from [redacted]. I've been disputed [redacted] because they never sent me a bill for the remainding balance due for equipment fee. Called them several times no reponse. [redacted] claims I gave them my Cap one card for payment and this is not the case and I did not authorize them to use this card. I don't know how they ever got this card number. Cap one representative states that merchants can find these cards and then charge them If you go back to the phone call recording on April 7th 2015 you will see what she says. I don't know why Cap one states that I have to pay this charge and show with bank statement proof before they will consider taking this charge off my Cap One Card. This is fraud I and my husband told Cap One Rep and theft. This means that my credit card from Cap One is not secure and anyone can get it and charge what they want and when I go to dispute the charge Cap One will give an explanation that merchants can do this. So really there is no fraud protection for the consumer by Cap One. I am so dissapointed with Capital One and will not be using their services in the future.Complaint concerns: a Credit CardDesired Settlement: I don't expect an outcome from this when your dealing with a big corporation. The little guy always gets screwed.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

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.]

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,

Review: Last year I paid off the card with a note telling them to close the account. I already had problems signing in to the account so I could not pay online but no one answered the emails when I asked for help with that so I paid it off by mail. I have sent several emails and written on almost every statement they sent and returned it telling them the account was supposed to be closed and requested they remove the fees back to that date. I am still getting bills for their annual fee that went on the card after it was paid off and I requested the account be closed. Recently I got two letters the same day. One said they could not close the account by written request, the other said it was closed. I am still getting statements along with letters saying I am approved for their card. They still did not remove the annual card charges and late fees for that charge back to the date it was requested closed.Complaint concerns: a Credit CardDesired Settlement: Remove all charges back to the date the card was paid off and make sure the account is closed. If a credit bureau has been contacted, contact them again and remove any complaint.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

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.]

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,

Review: When I opened my checking account in May 2014, I ordered two checkbooks. They were the same numbering sequence, so one was deactivated and I've been writing checks out of the other checkbook for the last year with no problem. My non-deactivated checkbook from Capital One 360 ([redacted]) was cancelled randomly in June 2015, a year later, with no notification to me whatsoever. They are remedying by giving me a checkbook with a different sequence. That is fine, but I had written a check from the checkbook deactivated in June 2015 and incurred a "bounced check fee" by my landlord. This is not my fault and asked Capital One 360 to reimburse me for the $12 fee. They refused, even though the situation is their fault. They have screwed up twice, and now they want me to be responsible for a fee that resulted from their mistake.Desired Settlement: $12 reimbursement and an apology.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

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.]

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,

Review: Several weeks ago I received five pre-screened / pre-approved credit card offers from Capital One. I called their contact number and asked that all mailings be stopped. The person I spoke with was heavily accented. She kept asking for my emailing address. She repeatedly asked me to spell my name and give my address and spell that. I became incredibly frustrated. I was rude. I asked her if she was stupid. The mailings have not stopped. I have sent them back "Return to Sender." The mailings have not stopped. I've sent emails, I sent emails to their abuse line, I promised I'd contact the Revdex.com and still the mailings have not stopped. I called the "opt out" number and they wanted my social security and birth date. What does that have to do with getting my name off a mailing list? I even contacted the Revdex.com on line and [redacted] informed me that filing complaints was my responsibility. I know that. Her messages felt accusatory and demonstrated a lack of desire to help me. I thought that was what the Revdex.com was for. I was wrong...at least in that person's case.Desired Settlement: I want this company to take my name off ALL mailing lists in EVERY city of EVERY state. I want this company to LEAVE ME ALONE.And I do not think it should be this hard to get somebody to take notice and respond to what started out to be a simple request. This has been going on over two months and I want it to stopp.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: ok, I have 3 cards with capital 1 member since 2014 not long but long enough. I have been in and out of the hospital since 6/15, I have always kept up with my payments on time large payments until about 9/15 when I had to take a medical leave from work screwed all my bills up my credit etc. Well in June I had a really bad accident that caused me to leave my home in PGH and had to move to Texas with my Aunt, because I needed a lot of help. I went back into the hospital in 9/15 due to comlications at that time I paid my 3 cards ending in 2983, 0508,0093, when I got out the hospital in 10/15 I had mail piled up, there was so many purchases on all my cards there was payments made that didn't belong to me, I contacted capital one explained none of the accounts were mine chase, and other banks purchases only bank was mine was [redacted], and I never made any payments that large ever so why would they let all those go through and then let whoever purchase all them things after each payment. I then had to contact paypal to take all my card info off there. I made payment arrangements with capital one and they never even took the purchases off the accounts was so past over the limit, and I have never went over since I had those cards. I still tried to pay something hoping they would fix the problem. I ended up going back into the hospital for emergency surgery, which put me back to square one with card payments and broken promises. I didn't get out until 4/15. My aunt piled my mail up in my room I received new cards from cap one didn't know why just assumed it was because of the purchases and bank payments, so I had to get everything situated bills etc at 1 point I made a payment of $366 charges was still on that card. I was now ready to at least keep these accounts together so on 5/9 I spoke to a fraud manger about these fraud lifts which I didn't understand these new cards I had no clue about, because as you can see I never even activated those cards. I spent almost con

My complaint concerns: a Credit CardDesired Settlement: I have to finish the rest of the complaint on the next page so its understandable, of why I have a complaint. My outcome that I desire is to at least investigate and get my limits where its supposed to be I have talk and chatted with many people and I have did everything they asked stayed on the for hours to get to the bottom of this and I'm speaking to people who are in the 3rd world that does not understand me and had me on hold which they didn't push hold so I could hear the whole conversation that took place on every so called hold she did, so I put the call on speaker phone to record while my Aunt was in the room this call took place on 5/18/16 the call was because the manager on 5/9 didn't take the restriction off all my accounts like he said he did he only did one and was supposed to do all 3 he only did 1 but if you get that recorded line you would hear the conversation we had. I then hung up with him and made arrangements for card number 2917 through chat and to try and dis

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

I will look over all the statements, which I am glad they were sent to me. I was having a hard time doing that.

I will also have them faxed by Friday so I can get this all squared away.

Review: I had an account with Household Bank. The credit card account was paid in full. Capital one took over Household Bank and know they are charging me 39.00 dollars for membership fee. They claim they sent me a notice about the fee, but that is not true. I looked at my statement today and a card that was zero balance now has a 39.00 fee, plus they have audacity to charge me 25.00 late fee. I called and they were no help. They claim they sent me a bill for the 39.00. I did not choose to go to Capital One why should I have to pay for an account that was paid in full.Desired Settlement: I will like my account to reflect ZERO balance the way it was before.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: In December 2012, I purchase a used vehicle from [redacted] of Milford, CT. At the dealer, I trade-in pickup truck for a [redacted] and I was snowball in purchasing a ford escape vehicle costing me $533.71 a month. I call them the next day after I made purchased and say "this is very expensive" and wanted to change my purchase something different. The salesman called my home and was offended about the cost of my vehicle.The salesman said I couldn't make a change. I signed the contract. So I reported to Revdex.com. The Revdex.com did it's job by contacting [redacted] Milford, CT but nothing was change. The manager said I give you a free oil change. I purchase the car at 20,000 and by the end of the loan It's cost over 40,000. I was zap by [redacted] in Milford, CT with Capital One predator lending company. I been paying this car note for two years with a 60 months period. During the second year I try to refinance my [redacted] for a lower monthly payments with Capital One. Capital One said they didn't refinance they're vehicle. But I see on the website Capital one advertise they do in fact refinance vehicles. I contact customer service my concerns because I got behind in my payments last year, I paid $370 every month to avoid repo and the representative said its ok. Today, January 4, 2013. Capital One execute a repo of my vehicle by [redacted], LTD [redacted] without notification. I'm very distressed about all this.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like to have Capital One return my vehicle and I would like them to refinance my vehicle for a lower monthly payments because how they handle my situation.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: This company is using a statement due date to falsely report derrogatory payment information to credit bureaus. In more than one instance this has happened to my credit file with no resolution dispite disputes with the company directly and the credit bureaus. They have even reported late payments while in their "catch-up" program in 2012. One example is making a payment OCT 5 2013 leaving 0 past due balance but they are reporting 60days last for Sept 2013. With a regular due date of the 20th day each month, there no way this is possible.Desired Settlement: Inaccurate late payments removed from my credit file for years 2012 and 2013.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

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,

Review: On june 15 I got a loan to pay off this account; on june 20 went to my account to check my remaining balance and it was 1486.27 so I send payment of 1486.27, assuming this debt was paid; this day I check my credit and this account still got a balance of 62.93 they are charging me with july and agoust if the balance was paid off on june. I having probles with this company before thats why I got a loan to paid it onece in for all still got charge.any help will be apreciated thanks in advance.Desired Settlement: No finance interest charges on account paid off.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: On November 18th, 2014, I submitted to my bank ([redacted]) a Capital One cashiers check in the amount of $2,000 which I received from a third party. On November 24th, due to my own research, I became aware that the check may have been associated with fraudulent activity. Upon contacting Capitol One, they admitted there had been hacking in their system and the check was fraudulent. I received the check for goods that I was selling privately and was unaware that I was being scammed. The representative at CapitaI One made no mention of any attempt to flag the line of fraudulent cashiers checks, warn consumers, or resolve the issue. Between two financial institutions, the check was cleared and I lost $2,000. I did my duty reporting it to my bank in [redacted], North Carolina. In reference to the scam, I contacted the local police department and have followed the complaint up my chain of command in the [redacted]. It has been well documented. I am a [redacted] in the [redacted], I've served 4 deployments, my wife and I are expecting our first child and both of our savings accounts were drained right before Christmas with absolutely no accountability on Capital One's part. We are not responsible for the inadequacies of Capital One or the fraud associated with the cashiers check we received and we were not given a fair resolution.Complaint concerns: OtherDesired Settlement: I would like my $2,000 to be returned to me with an explanation in reference to the failure to warn consumers and stop them from being victims of fraud.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

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.

This is not an accurate portrayal of conversation events. There is no resolution offered and no responsibility accepted. Therefore, this response is painfully inadequate. Customers deserve to know how Capital One responds when events like this occur, my complaint stands.

Regards,

Review: Capital One started sending me credit offers back in October of 2014. I called the opt out number and gave my information to be taken off their mailing list. They still persisted in sending me offers. I have opted out at least four times now to no avail. I even called them directly on January 15th and spoke to two different CSRs, explaining to them that I had opted out starting back in October of 2014, and I didn't appreciate them continuing to send me offers when I am on SSDI and have no use for a credit card. I told them I wanted them to stop immediately, and that if they persisted I would consider it harassment because it is. I was assured that my claim would be escalated and that the offers would cease, but today I received another one in the mail. They obviously have no intention of honoring their word to me, and I am at my wits' end about this. I am not interested in a credit card, and cannot afford one anyhow being on SSDI. I don't know how they got my information considering I haven't applied for credit through anyone at all, and I really, really don't appreciate them spamming me with their offers. I just want them to stop harassing me.Complaint concerns: OtherDesired Settlement: I am hoping that you will be able to put it in terms that Capital One will understand, and that they will never send me another pre-approved credit offer because I am sick to death of them. If they keep on, I will see about contacting my lawyer that I used for disability, and see if they can assist me with this or point me in the direction of someone who can. It's not right that a company should harass someone who has done the right thing, jumped through the hoops to be taken off of their mailing list.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

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,

Review: I've been trying to get an increase on my card to $3000 because I will be doing some traveling soon and I do not wish to carry cash everywhere. I pay my bill on time every month. Sometimes 2-3 times a month. If I can't get an increase just to help with traveling, I will have to go to another company.My complaint concerns: a Credit CardDesired Settlement: I just would like my credit like increase to 3000 or even 2500 so I can travel comfortably please.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: Review: Capital One Bank (USA) N.A. on and off for many years keep bugging me about an account I have never had with them.

The first time this happened, I talked to them asking to produce documentation about the supposed debt I incurred with them - they failed to produce anything and continued harassing me.

They place a bad report on my credit to the Credit Bureaus. I placed a letter with the Credit Bureaus explaining that this is false. My note it still in place.

On January 25, 2016 I received a 1099-C from them, claiming debt discharging for an amount they failed to demonstrate I incurred.

This is also an attempt to defraud the Government (IRS) by claiming losses and not paying taxes (I wonder how many others consumers they are trying to defraud?)

Please ask this company to clean their business practices on intent to defraud us consumers.

I have also placed a complaint with my local district attorney.

Thank you for your attention.

Benjamin SheenMy complaint concerns: OtherDesired Settlement: Requested Resolution: Send me a letter of apology and remove the items they have placed on my credit on the Credit Bureaus and file an amendment of their IRS report removing this false claim

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

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, their letter stated that the account was open on Nov 3, 20111 using my name, social security number and a address and phone number that I never had (have my current address since 1982)Second, their letter acknowledge my fraud claim filed to the consumer reporting agencies on Feb 2, 2011 (nine months before the opening of the account they claimed I open with them ???)

Review: first, I just got off the phone with Capital One, so I did trying talking to them first about this.

I had my credit card used back in December 11th for an airline ticket that I did not purchase so I started a dispute.

finally around feb 22nd of February I got a letter from capital one saying that I had until march 1st to respond to the dispute. I called and said that I would not have the time to respond property in time and that I needed an extension.

capital one sent me an email so I could upload documents on march 5th. that link would be valid for 14 days, so march 19th I was finally able to upload the documents after a lot of other issues. today, mach 21st I got a call back from capital one saying that I responded to late and that they were not moving forward with my response.My complaint concerns: a Credit CardDesired Settlement: I would like capital to move forward with my response.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

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.

Anna called me this past week, but only to tell me that there was nothing they could do. She pretty much read from a script and used a fake timeline and facts and reiterated their previous decision of not helping me out.