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.The offer states the same thing my initial complaint is aboutMy accounts have not been combined and there is no reason as to why they were deniedThis reply on the behalf of Capital One is repetativeThe message stated the same things exact reasoning Capital Ones customer service depttold me which does not fix the problem nor tells me the reason why the problem exist Regards, [redacted]

Horrible bankThey will pull all three credit bureaus just to give you a $300/$credit lineIntentionally hurting your financial healthAccording to my knowledge, the other banks pulls three bureau reports only for mortgages and big installment loansCredit Re-builders and Young folks who is looking to establish credit !!! Stay away from this bankUse google and read all the stories about them from varies websites including Revdex.com.org

Dear Mr [redacted] , Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of ***’s for resolutionWhile ***’s has an established partnership with Capital One N.A., we provide the in-house servicing for your ***’s Charge accountAs it is my intent to provide our valued customers with quality service, I appreciate the opportunity to review and resolve your concernsIn your complaint, you state that you have not received any statements, resulting in your account becoming past dueThe account was subsequently assessed late fees and interest due to non-paymentYou request that ***’s reverse all fees assessed to the account, as well as update the payment information we are reporting to the Consumer Reporting Agencies (CRAs)Our records show we previously responded to similar concernsIn our letter, dated April 11, (copy enclosed), we explained that late fees were billed to your account due to non-receipt of paymentWe also confirmed that your account was enrolled in paperless statements and we had no record of returned emails or emails not being deliveredRespectfully, we continue to uphold this positionFor clarity, I have explained the history of your account below, from the transaction in June 2014, through presentOn June 24, 2014, you charged $to your ***’s Charge account through ***s.comThis transaction appeared on your July statement, which indicated a minimum payment of $was due by August 17, Regrettably, we did not receive your next payment of $until September 27, This means two consecutive billing periods passed with no payments received, so late fees and interest charges were billed to your account in accordance with our Cardmember AgreementAdditionally, your account was reported days delinquent to the CRAs for September due to non-receipt of paymentYour payment of $received on September 27, 2014, along with the fees referenced above and a new transaction of $charged from ***s.com on September 26, 2014, brought your October statement new balance to $This statement also showed a minimum payment of $was due by November 17, Again, we did not receive your next payment of $until March 12, This means four consecutive billing periods passed with no payments received, so late fees and interest charges billed to your accountAdditionally, your account was reported days delinquent for December 2014, days delinquent for January 2015, and days delinquent for February due to non-receipt of paymentYour payment of $received on March 12, 2015, along with the above-referenced fees and interest charges, brought your March statement new balance to $This statement also showed a minimum payment of $due by April 17, However, we have not received a payment since that dateTherefore, late fees and interest charges continue to bill to your account correctlyAdditionally, your account was reported days delinquent for May 2015, and days delinquent for June 2015, due to non-receipt of payment***’S CORPORATE OFFICES NWWOODALE DRIVE MENOMONEE FALLS, WISCONSIN As previously explained, your account is enrolled in paperless statementsInstead of mailing statements to your physical address, a statement ready notification is sent through email advising you when your statement is viewableWe have not experienced any address changes or returned mail that would prevent you from receiving your statements to the e-mail address you provided, which is confirmed in your complaint ( [redacted] )If you would like to un-enroll from paperless statements, you can update your statement mailing preferences online at our My ***’s Charge websiteWe understand you would like us to modify the information we reported about this account to the CRAs and remove the derogatory payment historyWe have confirmed that we are reporting accurate informationAs a result, we are not able to change what is being reportedI apologize for any frustration this may causeMr [redacted] , I trust the information provided resolves your concernsIf you have any further questions, please do not hesitate to contact me directly at [redacted] Sincerely, [redacted] *** SrExecutive Correspondence Advisor Office of the President ***’s Department Stores

[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 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] Thanks for all of your help! I know I can always rely on the Revdex.com! 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 handsFor example when they acquired HSBC credit card customers we were not given a choice in the matterHSBC Bank was found guilty of laundering drug cartel money, fined and thrown out of the countryAny and all debts that any cardholder had with HSBC should have been thrown wiped outThe US Gov't fined HSBC hundreds of millions and kept the moneyBut then US Gov't allowed HSBC to sell their Credit Card accounts to make the money backAll parties to these proceedings no matter what are dishonest and do not serve the American CitizensI mentioned this to show the character of Capitol One BankOnline at least when I sign in it shows my correct incomeHowever, their own Customer Service Representative told me that on their records as far is she could see my income was $Capitol One records all phone calls have them send over the tapeFurthermore, 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]

Hi I just wanted to let you know that I received a letter in the mail from Capital One saying that they reversed all the feesGlad I finally got this taken care ofJust wanted to let you know that you can close the case.Thanks for your help!

I have tried to opt-out a number of times and I continue to received unwanted offersI hate you Capital One! I will never ever use your company out of sheer annoyance for the weekly junk mail offers I get from you

[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] ***

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] They are still adding back the charges for something I do not haveThey cannot seem to understand the repayment from the company goes to them since it was already written off my accountJust note the company paid don't credit me again and repay themselves, but do not charge me again!!! they are so stupid!!! Can you please make them understand this?

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 belowThe transcript reviewed was of the chat I am complaining about and only further deepens my resolve in this matterThere isn't a way to chat with someone prior to opening an account because you need to sign in to chatthe conversation in which I was assured I would receive a larger credit line occurred before I opened my account and was verbal but I will provide the transcript upon request &/or the recordingThe reviewed transcript is what initiated my complaint that capital one representatives treat customers differently and mislead them once they open an accountAs far as the cardholder agreement goes, there is no mention of additional depositsin faact, I chatted with a Dallas last week who spent minutes trying to find where it says that I will only get my dollar amount back in the form of credit and he could only find it in the FAQ section which isn't part of any agreementWhile I appreciate the offer to refund my $700, I hope you'll understand why I find that to be an unsatisfactory offerThank you in advance for your attention to this matterSincerely, [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.]May 10, I do not accept what Capital One Bank wrote in response to my Revdex.com Complaint I will only pay $a month until further notice, or until my account is paid off, and I will only pay for what I charge on this account I will pay on this account between to more months at $a month, any made up fees or made up charges--drop it Regards, [redacted] ***

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 did 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]

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 gave this offer a lot of thought after talking to Capital One and have decided that this offer is not going to help me after all because it has gone too far after I requested that my accounts be closed and too many fees have been assessed that are not mentioned and there is no way to get out of this hole because all fees involved cannot be waived 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 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]

[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: [email protected] 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 As usual, Capital One has continued to find other ways to waste everyone's time than to solve the problemIn this instance, the decided to close my accounts instead of solving the problemAs to their statement of me using "Abusive behavior", I would like to remind them that they earned whatever response they got from me as a result of their Abusive behaviorAs it turns out, I wasn't kidding, or lying, when I told them I would not tolerate bullying, harassment, or other negative forms of behavior.They are correct in saying they are not allowed to contact me directly outside of legally required communications without my consentAs a result of their poor actions, choice, and decisions, I have been forced to hire an attorney to handle the few remaining open issues that Capital One created, and refuse to resolve in a mature manner Regards, [redacted] ***

Great service, good rates, reasonable fees, and always a pleasure do deal withHighly recommend, especially for those trying to build credit

Revdex.com:In reference to Capitol One's LetterI did not decline what was offered to meI 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 youUnfortunately, I am unable to pay the full past due amount due to a loss of a job and additional financial hardshipsI have reviewed the offer made by the business in reference to complaint ID [redacted] , and find that this resolution is semi 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: [email protected] 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.] when I call in to make a payment and simple request of them just givign me my confirmation number is met with thats not our policy we are not goning to do it and when I make my payment and the change my mom minimum do and dont tell me and let me make it for a lesser amount and then charge me a late fee their so called fix for that was taking off the late fee thats their fix that makes it all better no [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] Of course they can find no record of the phone or e-mail contact complaints, they all seem to have gone the way of mysterious computer issues.Regards, [redacted]