Capital One Financial Corporation

Revdex.com: 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.They have not listened to the conversations I had with [redacted] who told me that this would not reflect as charged offThis is the reason why I accepted the offerThey should follow up on what they offer and not disclose partial information so that the customer accepts the offerThis is not rightthey should listen to the conversations I had with herShe told me that, otherwise I would not have accepted it Regards, [redacted]

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] ***

Dear [redacted] , I’m reaching out to you about your concerns sent to the Revdex.com regarding the servicing of your account and information we’ve reported to the [redacted] [redacted] , like [redacted] and [redacted] I would like to share more information about this Our records show that your January billing statement showed a new balance of $724.26, along with a minimum payment for $that was due by February 25, I confirmed that payments were not received for your February through April billing cyclesAn online payment was made on May 30, 2014, for $The payment was stopped on June 2, 2014, by your bankSince payments were still not received for the May through the August billing cycles, the account charged off due to delinquency on August 29, 2014, with a balance of $We’ve confirmed that we’re reporting accurate information and are unable to modify it in any wayThe account is now being serviced by [redacted] ***They advised us that they spoke with you in the past and offered you a monthly payment plan for $until the account was paid in fullIf you would like to settle on the account, you can settle for a single payment in the amount of $Please contact [redacted] directly at [redacted] to talk about the details If you have additional questions or concerns, please give me a call at [redacted] , Monday through Friday from 8:a.mto p.mPTI’m glad to help any way I can Sincerely, [redacted] , on behalf of Capital One

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]

Sorry I was out of town......Capitol One contacted me and the situation was resolved They agreed to stop all solicitations for credit cards, loans, etcThank you 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] Thanks for your time and response Regards, [redacted]

Dear [redacted] , This letter is in response to the complaint you filed with the Revdex.com (Revdex.com), about the rebill of charges you disputed as fraudulent, and the experience you had when contacting our Fraud Department to address these concernsWe understand how frustrating it can be when you believe fraudulent activity has taken place on your accountWe take the security of our customers’ accounts seriously, and we thoroughly investigated your initial claim of fraud for the charges that posted on your account, from May 22, 2014, to June 24, At that time, we determined that the charges were validHowever, in response to your recent complaint, we have conducted a second review of this matter and researched your concerns againI would like to provide you with the information from our investigation that I hope you will find helpfulOur records show that on June 27, 2014, you contacted us to file a security report and informed us that there were multiple fraudulent charges that posted to your account, totaling $These charges included transactions at [redacted] , [redacted] , [redacted] ***, and [redacted] [redacted] We provided a temporary credit to your account for the disputed charges while we reviewed the claimDuring the investigation, we attempted to contact you multiple times, but it wasn’t until August 5, 2014, that we were able to reach youUpon completion of the investigation and a finding of no fraud, the charges were rebilled to your account, and a letter was sent to you, explaining the outcomeI have enclosed a copy of this letter, for your referenceAfter a second look into these claims, I have confirmed that the charges were correctly rebilled to your account, as there was no indication that fraudulent activity took place on the account at that timeThere were multiple factors that assisted in the determination that these charges were validAmong these factors, we found that several charges in this fraud claim were similar to charges that had been previously billed to the account and were reflected on prior statementsHowever, the charges were never reported as fraudulentOn March 3, 2015, we received the police reports you faxed to our Fraud Department, to support your claim that your credit card was stolenWe have reviewed these reports, and we did not find any information that supported your claim of fraudulent activity on the accountThe reports make no mention of any stolen credit card and are for incidents that occurred in October and January The transactions that you are disputing occurred between May and June For this reason and the reasons mentioned above, we are unable to reverse the charges that were rebilled to the accountAdditionally, we appreciate your feedback as to your customer service experience with the agent that you spoke with regarding your fraud disputeWe take all complaints seriously, and in response to your feedback, we reviewed the call that you referenced, but did not find any error or unprofessional conduct during the callWe strive to provide the highest level of customer service, and appreciate your taking the time to share your perspectiveIf you have any further questions or concerns, please contact me at [redacted] , Monday through Friday from a.mto 5:p.mETI am happy to help any way that I canSincerely, [redacted] ***, on behalf of Capital One

RevDex.com: 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 looked at the most recent e-mail sent by Capital One Canada. Even though some of their inquiries are legit regarding past 2013 transactions, I still have some doubts about 2014 charges. Because I have heard countless times that several credit companies have overcharged their clients, that is why I am asking you to verify their charge/hidden fees mentioned/not mentioned in my account. Finally, you have to remember that Capital One has not sent me any refunds as far as I can remember within the last 7 years. I will simply ask you to check my up-to-date account for possible refunds and other charges. Thanks in advance. So long! 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 belowCapital One violated my consumer rights by not obtaining my permission before attempting to pigeon hole my credit ratiosI am aware of this tactic to increase profits by suttle cohersion to steer persons an unwanted nor solicitated tactic attempted by them, which is no more than an attempt to control my credit standing and it's an attempt to steer me and hold hostage my ability to direct and maximize my credit futureI am appalled and the entire uninformed public should be aware of this underhanded and underminded intentional practiceNo Capital One, you are predictors on the disadvantaged and how dare you attempt to portray yourself otherwiseI appreciate the fact that credit was extended initally of which I have no intention of abusingI will not ideally stand by and not go forward in addressing this practiceI know they can not legally cancel my card due to consumer protection laws unless I violate can the terms of agreementSince I have not violated these terms and paid off my balances in an expedite mannerCapital One should rethink this response and follow back up with as promused for I am still awaiting the return telephone call from the representative whom promised to call me back within hours if memory serves me correctlyThis matter us far from being over at this pointThe fact that I have been not only disrespect by the actions the fact that they didn't keep their word justifies the initial purpose of my complaint, it has only compiled the 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] While I do not find that this resolution would be satisfactory to me, I am going to close the complaintI look forward to zeroing out my balances and closing both accounts with Capital One I 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]

I have had more problems with capital one than with any other credit card companyNow many of their practices are greatHowever many are notMy husband and I try to pay our credit cards a couple times per monthCapital one tries to negate the practice of paying down credit cardsThey put unnecessary holds on available credit if you make multiple payments per month or if you are late (about a week) Then they make you call to have the funds made available and will talk to an authorized user about everything but then will make the primary call to make it more difficult saying that their practices forbid talking to an authorized user(WHAT) What a waste of time and completely untrueCustomer service also each share different informationThey are inconsistent and it is clear that the customer service agents are from out of country making it harder to communicateWhen you ask them about their practices they just say " its policy" but when you ask why they say "because its policy"There are no reasons for doing what they do, they say that it is to give time for the funds to clear the bank but it is clear that the funds have transferred because transfers only take a day at each bankThere would also be no reason to have to waitMost credit cards give you the money right away and do not make you wait a week

Customer service has always been excellent and their fraud protection services are spot on They immediately contact about any unusual purchased and have saved me from a lot of headaches through their screening process

[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 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] ***

Change your name to CRAPital One, abusive, rude, unreasonable, collusive, bullying Crapital One stands up for their corporate buddies and craps on their customers Thanks for nothing, keep up the good work of crapping on the little man to support corporate greed and oppression After several notifications that a vendor was inappropriately charging my card and several card cancellations (by me) to try and prevent the charges Crapital One demanded payment on the third card they issued that I had not even activated (they activated and allowed the charges) I paid the first two extra charges, but once I refused to pay the third charge Crapital One finally closed the account and wants to collect from me I refused and reminded them that I notified them several times and that several cards had been issued to try and prevent the charges however the left hand didnt talk to the right one in their organization so I did not believe that a form letter notification from the vendor saying the charges were authorized was sufficient to support me paying the fraud a third time Crapital One stood behind their corporate buddy and demanded payment or they would report to the credit agencies I refused to be blackmailed by Crapital One so they have reported non-payment Several collection agencies and attornys have contacted me on behalf of Crapital One to try and collect the $400; however each time I explain the facts they return the account to Crapital One, everyone that touches this account knows what they did was wrong except the croonies at Crapital One, they are using their size to hide behind their corruption If anyone with common sense actually took the time to research my situation I doubt they would continue to try and extort payment from me [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 According to all my documents there was no payment due for September, so when I didn't pay October because my deposit would have more than covered it and should have already been returnedIt still was not days late in OctoberThe only thing that I am disputing is how October is reporting on my credit reportI was not days lateI find it funny it took another months to get the remainder of my deposit back too, but that's not what I am disputing Regards, [redacted]

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 you never authorized your enrollment in the ***’s Account Ease (KAE) planYou ask for a full refund of all KAE fees previously assessedKAE is an optional debt cancellation product that may pay the balance on your account in the event of an eligible lossKAE can be offered as an optional product when a customer applies for a ***’s Charge account or when using our automated phone systemYou stated that you cancelled your KAE enrollment in April Regrettably, we do not have a record of this requestYour KAE enrollment has now been cancelled effective June 8, 2015, and on June 11, 2015, a refund of $was applied to your accountThis refund covers all KAE product fees and associated interest charges that have billed to your account, and resulted in a credit balance of $You can apply this credit balance to your next transaction, request a refund check, or it will be automatically sent to you in the form of a credit balance refund check after days of no activityWe appreciate your feedback on how to highlight KAE enrollment on our monthly billing statements and our websiteYour feedback has been forwarded to the appropriate areasMr [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

This is a duplicate case we previously received through the [redacted] regulatory channel for this customer We will be responding to the [redacted] with our response

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 appreciate the business's honesty in recognizing the validity of my complaintHowever they still have not fully credited my account with the appropriate for all the debits that were made on my accountThe special reward of $that was credited on 8/seem somewhat arbitrary to me since it does not correspond to all the debits I made in the previous month I understand that the rewards may take up to days, so I will be looking to see if they will make further credits for small debits ($or less) that has not been credited yetCurrently, I notice that their system will only automatically credit me the reward if the debits are more than $ 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 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] .Also, I want say to thanks to [redacted] from Capital One, she is really an asset to the companyThe service provided by her was truly a great experience Regards, [redacted] ***