Capital One Financial Corporation

I over paid by a thousand dollars on my credit card on 10-26- On 10-27-I requested a refund of the overpaymentIt is now 11-16-and still no refundI have talked to several supervisors and all have said it will be taken care ofmy last two calls resulted in no check sent money will be deposited directly into my checking account over night last call said it would take at least business days to complete the transactionI won't hold my breath on that one All this from a company that has a business motto that says "DO THE RIGHT THING"I thought it meant for the customer satisfaction but I was wrong silly me

[redacted] I am responding to a complaint filed with the Revdex.com (Revdex.com) about your CapitalOne accountThank you for providing your feedback about our settlement processWe do striveto provide excellent customer service on all of our calls and will use this feedback to makeservicing better in the future.Due to delinquency the account charged off on July 14, 2012, with a balance of $3,andthe account was settled with the last payment received on July 30, 2014, in the amount of$661.13.On August 2, 2012, the account was placed with [redacted] Payments were made twice amonth for $from August 28, 2012, until May 14, A repayment plan was set up onJuly 24, 2013, for $for months beginning on July 26, 2013, until July 8, Ourrecords show a call was placed to the agency on July 24, 2014, requesting settlement of thebalanceAt the time of the call, the disclosure regarding the issuance of the 1099-C was readItwas also read again on July 24, A settlement was offered for the amount of $661.13,which was acceptedPlease note, that if we cancel or forgive $or more on a debt youowe, we are obligated by Federal Law to inform the Internal Revenue Service (IRS)As such, a1099-C was not issuedI’ve confirmed that the account is being reported as settled after chargeoffBecause this account is reporting correctly, we are unable to modify this information.I appreciate the opportunity to address your concernsIf you have any additional questions orconcerns, please give me a call at [redacted] , Monday through Friday from a.mto 5:30p.mETI’m glad to help any way I can

[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 meThe business credited the money back to me after receiving your complaint Thank you for your help! Regards, [redacted] [redacted]

Re: Account ending in *** Capital One Case: [redacted] Revdex.com Case: [redacted] Dear [redacted] , I’m following up with your regarding your Revdex.com complaint about your concerns with fraudulent transactions made to your accountOur records show on November 4, 2014, you identified fraudulent transactions from [redacted] for a total of $The merchant credited back $on November 5, 2014, and Capital One credited the difference of $on November 6, 2014, pending an investigationThe merchant presented a claim that they issued credits for the additional transactions of $284.58, and on December 15, 2014, and January 24, 2015, we removed our credits and reapplied the amount to your balanceHowever, on February 9, 2015, because the merchant did not issue the credits as advised we credited your account for the [redacted] transactions totaling $We also credited an overlimit fee of $These credits will appear on your February billing statementIf you have additional questions, please call me at 800-955-I am available Monday through Friday, from a.mto p.mETI’m glad to help any way I canSincerely, [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 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] Regards, [redacted] Thank You for your helpThe Revdex.com website does not provide a response service for which I can send communicationsI have to goto the Revdex.com to read, go back to my email account, locate the email sent and respond to youPlease provide instructions or functionality to respond directly on Revdex.com's website when I log in to view responses sentI appreciate all of the help providedThe Capital One matter is resolvedRespectfully, [redacted] ***

Conflicting Answers, Condescending attitude and ill-trained agents are a few adjectives I would use to describe the "fraud and security" departmentsMy fault would be losing my wallet and credit cardsReporting my lost card was easy however getting a replacement is a horror storyDespite answering most the answers correctly my agent felt it wasn't sufficient enough, so he requested me to send in some documents to indicate who I amSure, I can do thatI was irritated however the agent was somewhat polite so I let goThe agent who dealt with me after him was horribleNot only did he give me conflicting answers but he accused me of being a fraud because I have lived in multiple dwellings in the past yearsThe address they have on file wasn't the one I updatedHe also claimed CapitalOne doesn't rush cards to their customers and "apologize" to me whoever provided me with the incorrect answerToday I received a phone call from another agent and she informed me my card should be here in 2-daysWHY WHY WHY are the agents not properly trained? The Fraud and Security Manager brushed off my complaints and backed his/her ill-trained staffI am truly disappointedI will pay off the remaining balance, close it and apply with hometrust or scotiabank

Dear [redacted] , I’m reaching out to you about your concerns submitted to the Revdex.com (Revdex.com) to reopen your account and increase your credit limit Thank you for allowing me to address your concernsOur 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 expectationsAfter conducting a review of your account, we made the decision to suspend and close your account on November 30, We appreciate the additional information you’ve provided; however, after further review, I can confirm that our decision will not be reversedPlease be assured that the decision to suspend and close your account was based on business concerns that did not relate to your credit worthinessWe apologize for any frustration this action may causeIf you have any questions regarding our account closing authority, please refer to your Customer Agreement, a copy of which is enclosedI’ve also enclosed a copy of the letter we previously sent youCapital One complies with all applicable state and federal regulationsYou also requested how our decision will be reported to the [redacted] [redacted] like [redacted] and [redacted] Our records show that the account was reported as closed by grantorIf you have any questions about how this may affect your credit file, please contact the agencies directly [redacted] *** [redacted] ** [redacted] © Capital OneCapital One is a federally registered service markAll rights reserved.If you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from a.m.-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,Judith R***, 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 10831230, and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I don't not agree with capital ones assesment of there explanation ! I never signed up for this plan!! I also was only inquiring what this was and since I had it why I had not known about it and if so if I was elgible to use itI appreciate the gesture but I didn't call for a refund I called because this is affecting my credit and if they refunded regardless of what they say they are admitting fault I will only be happy if this is deleted off my credit other than that this is not satisfactory and the credit is great but this needs to be removed or we will continue to have complaints filed Regards, [redacted]

Dear [redacted] ***, I’m reaching out about your complaint regarding stopping offers that we are mailing to youThis is the follow up to our phone conversation on February 24, I am sorry for any inconvenience this may have caused youOn February 24, 2015, we removed your name and address referenced above from our mailing listIf you were selected for any offers before we processed this request, you may still get mail solicitations for the next several weeksWe don’t show a previous request on file to opt out your contact informationYour preferences will only apply to the contact information shown abovePlease reach out to us if there are any name or address variations so we can enter those alsoIf you have any questions or concerns, please give me a call at [redacted] , Monday through Friday from a.mto 3:p.mETI’m glad to help any way I canSincerely, [redacted] , on behalf of Capital One

Dear [redacted] *** I’m reaching out to you about your concerns submitted to the Revdex.com (Revdex.com) regarding an account upgrade and the Annual Membership Fee (***) billed to your account 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 expectationsIn your concerns, you stated that you were advised during a phone interaction that your account would not be charged an [redacted] after being upgraded in We were unable to find any calls where you were provided the information you stated in your complaintOur records show that on August 14, 2014, your account was upgraded to the Quicksilver One Cash Rewards Card which gave you the ability to learn ***% cash back on purchasesDuring this upgrade, the original terms and conditions of the account remained the same, including the $ [redacted] ***I apologize for any confusion that this may have causedI’ve also confirmed that since your account upgrade, each [redacted] that was charged to your account has been credited to your account and your account has been closed per your request as of October 23, I have enclosed a copy of the confirmation letter for your recordsIf you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from a.m.-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,Judith R***, on behalf of Capital One Enclosure cc: Revdex.com © Capital OneCapital One is a federally registered service markAll rights reserved

I've been a Capital One customer for over years, and on Friday 01/29/my account was hacked by criminals and NONE of the safeguards that Capital One had in place worked to protect my moneyThey were able to withdraw funds from my account using the ATM(Somehow obtained my PIN # or changed PIN # and also exceeded daily withdrawal limit) Hackers called Capital One Customer Service department and was successful in transferring funds from our savings and also from a second checking account into our primary checking account which they had the "dummy card" for and cleaned out all three accounts in one day(Our Daily POS limit is $2500, they far exceeded this amount as they cleaned out our accounts.) Capital Once became aware of the breach, cancelled the affected debit card, and sent a new oneThey NEVER called to advise/notify us of the problemWhen we received the new card, we had no idea why it was sentAs the owner of the account and a loyal customer for over years, no consideration is granted to us as it relates to replacing our fundsWe have been advised that it could take up to business days to replace funds and we must wait for them to complete their investigationMeanwhile, it's the beginning of the month and we need to pay our billsOnce this issue is resolve, I have no confidence in Capital One's ability to protect my money or personal information going forwardTo be told by several people that work for them, " This is their job (criminals), they spend all day thinking of ways to rob people of their money." My response is that as a financial corporation, is it THEIR responsibility to ensure that criminals are NOT successful in their quest to rob their customers of the billions of dollars placed in their banks on a daily basis This clearly their pathetic attempt to reduce their accountability in this situation

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.] The resolution is an untruthful statement from Capital oneFor example, the $ [redacted] ATM transaction they refer to is Not plausibleAn ATM transaction fee alone is $**With a $ [redacted] minimum withdrawalSo the amount would be $**Capital One stated in our talk that they have no way of knowing where said transaction was madeAlso falseIn our 1st discussion January 6th which is Not noted in response the Capital one representative stated that indeed their were irregularities on my account, including the unauthorized payments of $ [redacted] & $**However in a return call on January 11th , the representative did an about face and attempted to place blame on me the consumerWhen I described my dismay to the Capital One representative and informed her I would contact Revdex.com, she laughed and said that attempt would be futile In conclusion I have told the truth and Capital One has misrepresented the factsIt's fraud Regards, [redacted] ***

My name is Amy S [redacted] and I live in [redacted] ** Capital One was here for me when I tried to rebuild my credit by purchasing a secured credit card with a account balance of $ Their customer service department went above and beyond their duties They were always very friendly and courteous to me I would highly recommend them to anyone who is rebuilding their credit

Dear [redacted] I’m following up on our call, on January 13, 2017, about your request to the Revdex.com (Revdex.com), to remove the authorization on January 9, 2017, for $ [redacted] from [redacted] ***We take your concerns seriously, and I have some information to shareOur 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 made a decision to release the authorization for $ [redacted] from [redacted] ***, made on January 9, 2017, after speaking with the merchant to confirm the order was cancelledI’ve confirmed that as of the date of this letter, the authorization has been released, and the funds have been made available immediatelyI understand it can be frustrating to cancel an order with a merchant, and not have the authorization funds immediately made available to youWe have to review the account to ensure the authorization is eligible to be deletedGenerally, authorizations must be reversed by the merchant that processed the transactionIf the authorization is not reversed by the merchant, the authorization will either post to the account within five days of the authorization or will drop off the accountIf you have any additional questions or concerns, please give me a call at 800-955-1455, Monday-Friday from 9:a.m.-p.mPTWhen 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, Shannon L [redacted] , on behalf of Capital One cc: Revdex.com © Capital OneCapital One is a federally registered service markAll 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.] Regards, [redacted] I should not have to do that, I have stated that YOU should be taking care this and removing from any and ALL promotionsYou are the company who has been running my credit, you should be taking care of this not me

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 advertisementAs I told the representatives I am not talking about my current credit card but the credit card and terms advertisedPlease see below:Required Security Deposit $49, $or $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] ***

Capital One® PO Box Richmond, VA 23285-January 3, [redacted] *** [redacted] ** [redacted] *** Re: Account ending in Capital One Case: [redacted] Revdex.com No: [redacted] Dear [redacted] ***, I’m reaching out to you about your inquiry to the Revdex.com (Revdex.com) regarding your account ending in We take your concerns seriously and have more information we would like to share with you about thisOur 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 those expectationsPlease be assured that management has been provided the feedbackWe took another look at your account and made the decision to apply a one-time credit of $ [redacted] to your account balance, which will appear on your December statementWe have good news! x Your account is now unrestricted, and we sent you a new credit card on December 10, x All the terms and conditions of your account will remain the same x As of the date of this letter, your current balance is $ [redacted] If you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from a.m.-3:p.mPTWhen 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, Jamie G***, on behalf of Capital One cc: Revdex.com © Capital OneCapital One is a federally registered service markAll 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 Capital One has offered me NO RESOLUTIONThey basically told me they don't care about me or my businessTHEY ARE TOO BIG TO CARE! I will never do business with them againNo matter how low my balance is on my credit cards and even when I pay them off, they still refuse to lower my interest rate Regards, [redacted]

Dear [redacted] I’m reaching out to you about your concern submitted to the Revdex.com (Revdex.com) regarding lowering your Annual Percentage Rate (APR)Thank you for allowing me to resolve your concerns.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 those expectationsPlease be assured that management has been provided the feedback.I reviewed your accounts and unfortunately, they’re not eligible for a lower purchase APR at this timeI am unable to offer you a lower interest rate now, but we review accounts from time-to-time to see if they’re eligible for a lower APRIf your accounts do become eligible, we’ll be happy to let you know.I also understand that you would like us to waive your Annual Membership Fees (AMF)Iunderstand your concern, so I’m going to issue a one-time credit for $ [redacted] for the AMF on the account ending in The credit will appear on your January billing statementFurther, I researched your account ending in , and saw that you did receive a courtesy credit for the AMF for $ [redacted] on your June billing statementUnfortunately, I will not be able to issue credit for the AMF on this accountI have enclosed a copy of your June billing statement for your records.Per IRS regulations, we may issue a and send you a copyIf you receive one, please consult your tax advisor and the instructions on the form for more information on how this may impact you.I hope this information helps.© Capital OneCapital One is a federally registered service markAll rights reservedIf you have questions or concerns, please give me a call at 800-955-1455, Monday-Friday from a.m.-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 can.Sincerely,Kevin A***, on behalf of Capital OneEnclosurecc: Revdex.com© Capital OneCapital One is a federally registered service markAll 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.] I'm not happy with the answer I received They STILL haven't told me why its almost $400, at the time just being days past due My husband wasn't happy, neither was IWe 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] ***