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 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.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]

[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]

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!

[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 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]

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

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] ***

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]

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]

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]

Dear [redacted] We are responding to your correspondence received by the Revdex.com and our conversation on January 4, 2017, regarding your secured depositOur 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 expectationsApplication ending in On October 8, 2015, you submitted an online application for a secured card that required a secured deposit in the amount of $***Our record shows a secured deposit of $ [redacted] was receivedBecause the full amount required was not received, the application was declinedOn January 11, 2016, your secured deposit of $ [redacted] was refunded and a check was mailed to youOn December 9, 2016, December 17, 2016, and December 28, 2016, you contacted our Application Department advising that you had not received the secured deposit refund of $***On January 6, 2017, we sent the refund for the security deposit to the address abovePlease allow 7-days to receive the check by mailWe were unable to locate any record of being notified that you did not receive the refund check prior to your call with us on December 9, Application ending in On October 12, 2016, you submitted a new application for a secured card that also required a secured deposit in the amount $***Unfortunately, we are not able to transfer a secured deposit from one application to another applicationA secured deposit is required on each application that is submittedOn October 12, 2016, a letter (copy enclosed) was sent to you informing you the secured deposit was due by December 31, Because this date has passed, the application has expired and we are unable to accept a deposit for it© 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.-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,Patricia M [redacted] , on behalf of Capital One Enclosure cc: 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 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: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]

[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]