Capital One Financial Corporation

Review: Six months ago I address the same issue with Capital One and again it is an issue. They stated they report to the credit bureaus each month, however [redacted] which is their preferred credit agency states that C1 has not report on my credit history since June 2014. When I tried to address the issue C1 stated the would direct me to the credit department. In turn I received a email stating nothing has change with my credit report. However, how would they know since they haven't reported me in seven months? N/R on a credit report from transunion means not reporting. If I had been late they would have reported me each month. They have report that I am paying on time. When I try to send a secure message to get help I am told that they can not locate my account even though I am physically log into my account in order to send a secure message. This has occurred four time in the last three days of trying to get someone to simply help me resolve this on going issue. There credit tracker which is run my transunion is suppose to be a selling point but that is also inaccurate.Complaint concerns: a Credit CardDesired Settlement: I would like someone to address the issue and speak to [redacted] directly if need be to get this straighten out. I want them to report on my pay history for the last seven months. Just as if they are expected to report negative behavior they should be reporting positive also. I would like once this has been corrected that I receive something in writing stating that this has been resolved. I would also like to know what is going to be down to correct this issue from happening again.

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.

,The issue isn't that you have never reported me, the issue is that you have reported me since Oct 2014. That was confirmed by [redacted]. They have stated that the creditor which is you, Capital One needs to contact them to correct the problem.I re-ran my credit report and it still has not been fixed. I can not coordinate your business dealing with [redacted], I have been told by Capital One several times that you report each month.However, [redacted] is stating that is not being done. Someone needs to physically make a phone call to [redacted] and get this problem fixed. Its unfair that how far this has to go to get resolved.

Regards,

Review: I had a "Balance Transfer" made to my acct. one transfer went fine, the $ for the other acct did not happen (why). I have contacted Capital one on numerous occasions and gotten nowhere!!

The amount of $994.00 was sent to Capital One and cashed. I spoke with a few people that transferred me or put me on hold for an unbelievable time. I tried explaining the problem and I was told it wasn't Capital One's problem... It was the other banks. I TRIED to explain that I had contacted the other bank and they had done a transfer balance exam and I received a letter back from them WITH a copy of the cashed check . I explained to the many individuals that the account number that was on the check was NOT my account number. The other bank made a mistake in typing the account number. I asked if there was a place that this check could have gone...such as the account on the check, a holding account for problems...etc. But again I explained that Capital one DID cash the check. So...where is the money.

The last individual I spoke with told me they had no such thing and that it had NOT been deposited into my account, that being the reason I called...was not a surprise to me. I asked her name, Sam, then I explained one last time...Capital One DID cash the check that was to be a check to pay off my account so that I did not have to continue paying interest. Instead , I have continued to incur interest charges...AND pay the amount fm the OTHER bank...AND CAPITAL ONE HAS A CHECK FOR $994.00 that was suppose to be in MY account,,but it was never put there.

I was also told that Capital one would return the check...which WAS NOT DONE...IT WAS CASHED!!! When I requested that Capital One do a trace on the check the girl told me that Capital One does not do that.

So, with NO HELP from Capital One I am being charged twice for an amount of money that they have, yet claim they don't know of it.

Question : WHERE IS THE MONEY?? How about fixing my acct AND finding the money that your company cashed.Complaint concerns: a Credit CardDesired Settlement: The money being put in my account to pay off my balance. And an apology for the trouble I have had to go through to get the outcome that they should have done to begin with.

Business

Response:

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

Review: My wife was in a bad auto accident and we fell behind a few weeks on my loan. So we called to get back on track with payments. on October 02, 2014 we set up auto pay with a Customer Rep. First payment in the amount of $119 was automatically coming out of bank account on October 17, 2014. And $119 every 2 weeks to loan caught up. On October 16, 2014 they Cancelled their agreement with us, without warning and repossessed my car on October 17 2014.My complaint concerns: an Auto LoanDesired Settlement: I want the balanced owned erased, and taken off Credit Report. This is the companies responsibility, not mine. I made good faith effort to get caught up, and they backed out.

Business

Response:

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

Consumer

Response:

Review: I have three capital one credit cards and they all have been over charged with excess fees and additional interest particularly the one with largest balance.My complaint concerns: a Credit CardDesired Settlement: Refund of late fees, excess fees, and excess interest.

Business

Response:

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

Review: Capitol One has reported my yearly income to the Credit Reporting Agencies as $4000.00 per year. This causes the Credit Reporting Agencies to report to would be credit lenders that my income to debt ration is lower than what it actually is. My debt over all is less than 13,000.00 and my annual income is over $52,000.00 a year. I believe that Capital One does this to deter would be creditors from extending me credit. I'm not sure either way it is not fair and they should correct this immediately as far back for as long as they have been reporting the false information.My complaint concerns: a Credit CardDesired Settlement: Capital One corrects this era with all three CRA as far back as to the date when the false information was submitted to the Credit Reporting Agencies CRA and forward proof of these actions to myself via USPS mail.

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.

Capitol One uses unfair practices - they throw a rock and then hide their hands. For example when they acquired HSBC credit card customers we were not given a choice in the matter. HSBC Bank was found guilty of laundering drug cartel money, fined and thrown out of the country. Any and all debts that any cardholder had with HSBC should have been thrown wiped out. The US Gov't fined HSBC hundreds of millions and kept the money. But then US Gov't allowed HSBC to sell their Credit Card accounts to make the money back. All parties to these proceedings no matter what are dishonest and do not serve the American Citizens. I mentioned this to show the character of Capitol One Bank. Online at least when I sign in it shows my correct income. However, their own Customer Service Representative told me that on their records as far is she could see my income was $4000. Capitol One records all phone calls have them send over the tape. Furthermore, 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,

Review: My account was restricted when I added authorized users to. Although when I called and asked what the procedure was and how it worked the CSR that I spoke to said all I needed to do was to provide SS# and Full name. Which I did. Now they are requiring picture of SS card as well as Passport ID or Drivers License. I provided this information for 3 people on my account the my daughter and sister other people are friends and families partner whom would be using the CC for car rental purposes while on a family vacation this weekend. I have called and even asked to remove anyone that would not provide the information as they did not feel comfortable giving me that information in fear that I would make them responsible in the future for this account. Since I told them that all I needed was the actual number and full name to add them which was the information that capital one CSR provided. I have spoken to a lot of CSR before I was transferred to James (manager) said that Capital One has the right to restrict or cancel my account at any time without reason or warning. That they do not have to give me any reason to do so either. Please enlighten me on this type of situation because I do not think that is how business is conducted.My complaint concerns: a Credit CardDesired Settlement: I would like the restriction to be removed from my account and if needed for them to remove whomever I can not provide SS card and ID for as they will not provide it since they are not comfortable doing so.

Business

Response:

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

Review: When making online Payments, Capitol One is Taking Way Too Long For The Payment to Post To My Card, in the Day & Time we live in This is ineffective & outdated way of doing Business.My complaint concerns: a Credit CardDesired Settlement: Updated Software & Updated Policies enabling REAL TIME TRANSACTIONS!!!

Business

Response:

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

Review: I have been with Capital One for 1.5 years. I have their secured credit card and they gave a credit increase exactly one year from this month. I had attempted to do so myself and was denied because their product doesn't offer it and required a deposit to the account. At the beginning of this year, they discontinued the ability to add funds to your secured card. They still offer this type of account which does not allow a person to increase their line of credit until they are ready to do so. This program is a setup to me and many others that has come after me and continue to seek this company for a way to build credit. I have paid on time, paid more than minimum due and still can't get my credit increased or moved into a different product that offer better perks. I contacted them today and they still did nothing.My complaint concerns: a Credit CardDesired Settlement: Capital One needs to stop offering this product if they have no intentions on allowing the customer to build and increase credit with them. I would like to stay with them but to be moved from a different product that allows me to initiate credit increases. Or they need to allow the ability to make deposits or credit increases without regards to the type of product I have. I feel that me not being able to request credit increases is a discrimination based on the product I have with this company. I hope this ends in a favorable result for both sides. I belong to 2 financial groups on Facebook that would benefit from the practice of this company.

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.

There was still no willingness to offer or move to a better product that offers me more especially since I am not able to make requests or deposits. They still offer a product to clients and a statement which seems to be false was made that they are reviewing the terms. That doesn't resolve what I was looking for so there was no willingness on their part to reach a mutual agreement.

Regards,

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

Review: Capital One Bank is not giving the credit which is due to my account. My account is on auto-pay and has never been past due. For this reason, this company should not charge me of interest. They also need to credit my account for an unauthorized charge which happened after my card got replaced. It means that the unauthorized company should not have access to my account after Capital One replaced my credit card. $1.03 for the bill due 06/23/2013$11.38 for the paid bill due 05/23/2013$39.95 from justfab.com - this is NOT AUTHORIZED. My card has been replaced and this company should not be able to charge me again. I HAVE NOTHING TO DO WITH THIS CHARGE AT ALL.Desired Settlement: Capital One needs to give me the total credit of $52.36.

Business

Response:

The customer had concerns regarding a disputed transaction. We credited the transaction in question and interest charges related to the transaction as a courtesy.

Review: I have had an auto loan with Capital One since 12/2010. Ever since the loan was opened, it has been a nightmare for me. They consistently "lose" payments, their customer service representatives repeatedly call and harass my husband and I, and I recently had a representative tell me she did not care if my children had to starve in order for me to make my car payment. I had recently gotten behind in my car payments due to a layoff at my job. I had set up automatic withdraw for my payments that mysteriously got cancelled and now they continuously call me several times a day despite my attempts to resolve this issue.Desired Settlement: My desired outcome is for Capital One Auto Financing to cease contact with me and consider the remainder of the loan to be paid in full. Capital One Auto Financing has refused my payment several times because it was not for the full amount but was all I could afford at the time.

Business

Response:

[redacted],

I have reviewed the situation you explained to the Revdex.com and the correspondence that was addressed to our [redacted], and want to address your concerns. You ask that we consider the remainder of the loan to be paid in full.

In reviewing this matter, we found the vehicle has not been paid in full. When your letter was received, your account was in a repossession status, due to the delinquency of the account. Our records indicate the account has been paid late several times throughout the repayment period. Contact had not been made, regarding payment on your loan, since July 2, 2013.

We understand you made contact with [redacted] of Capital One Auto Finance on October 26, 2013 regarding your vehicle. A payment of $190.00 was received and the repossession order has been removed at this time. You have agreed to work to bring the account current by January 2014.

If you have additional questions, please contact [redacted]. I can also be reached at [redacted]

Sincerely,

[redacted]On behalf of Capital One

Review: I have had a credit account with this company through[redacted], apparently they were bought by Capital One and my account was past due, so they automatically closed it (Capital One) I recieved no notification in the change of companies and NO notification that my card was going to be closed. I would have taken any action needed (payment, etc) to keep the account open. It would still be open if I was still with[redacted], they dont close for past due issues. I think I was owed some type of written notification of both the change in companies and the closing of my account. I had put a very large payment of around $700 and have been current.Desired Settlement: I would like to have my account reopened.

Business

Response:

We called the customer, apologized for the error of closing her account, and reopened it.

Review: I had a balance on my credit card in September of 2013. I paid that balance off. I have a credit agency that watches for changes on my credit report as I take this very seriously. In November, I received an e-mail from [redacted] that informed me of a 30 day late notice that was posted to a credit agency. I checked my online account and noticed that 8 days after I paid my bill off, there was an interest charge of $19 added to my account. I am supposed to get an e-mail when I have a bill due since I went to paperless billing. I received no notice that I had a balance. I then noticed that they added a late charge and additional interest in Oct and then again in November. Still, I didn't receive an e-mail stating that I had a balance. I only found out that I had a balance when [redacted] contacted me. I would have paid the $19 the day I saw the bill. I don't know what Capital One is trying to pull by adding charges after the bill had been paid in full. Or, why I all of a sudden didn't get a bill. This is not good since I take good credit seriously. I am furious at this on my record. There should be some type of investigation into this type of business practice. I'd be willing to bet that this has happened to other people too. Probably many of them. Capital One did take the late charges off when I called and complained. I paid the initial $19 interest charge although I don't know that I should have even done that.Desired Settlement: I want this negative mark taken off of the credit bureaus reports. That will be the only outcome that will satisfy me.

Business

Response:

Dear [redacted],

This letter is in follow up to our telephone conversation about information we’ve reported to the consumer reporting agencies. We’re glad to share more information about this.

On December 10, 2013, we sent an update to the consumer reporting agencies to advise them to report the account as open, with a $5 balance and no delinquencies. Since all updates are submitted electronically, it may take these agencies up to 90 days to update their reports. In the meantime, their letter is proof that we are updating your credit profile.

If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday, from 9:30 a.m to 6 p.m. I’m glad to help you in any way I can.

Sincerely,

[redacted], on behalf of Capital One

Review: A company ([redacted]) attempted to make a charge against me that wasn't authorized. The card information had expired. I received and have in my possession the information that states that the charge wasn't successful. Capital one processed the charge anyway. I didn't know this charge had been made. The account is kept in case of urgent need or emergency and it didn't have a balance. This charge made me incur multiple late fees and interest. No attempt was made by the company to contact me. I now have bad marks on my credit report due to their actions. They shouldn't have processed the sale and also should have contacted me regarding no payment being received. I do not have a history of late payments with this company and they are now damaging my credit history.Desired Settlement: I want all of the charges removed from my account. I have proof that the charge shouldn't have been completed. I also want all negative information removed from my credit history. If this cannot happen then I will be forced to seek legal council

Business

Response:

We spoke with [redacted] and advised him that per our previous phone conversation we have confirmed that the charge in question on his complaint was credited back to his account along with any past due fees and interest. We also advised that after a review of the account we determined that the account was not reported as more than 30 days past due so there would be no negative impact to the customers consumer reports.

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: Capital one has sent me a bill for a credit card I did not ask for. There is a fee to have a credit card and I tried to cancel or stop this bill from proceeding. I was unable to get the card cancelled A supervisor([redacted]) SAID I NEED TO GIVE THEM MORE INFORMATION I VERIFIED MY ADDRESS NAME PARTIAL SOCIAL,still would not cancel the card. what can be done to stop this card company to start credit cards in peoples names with out there consent?Desired Settlement: cancel the card I don't want. Never asked for.

Business

Response:

Dear [redacted],

I'm following upw ith you about our conversation on February 6, 2014, regarding the status of your account. Our records show that your account was closed per your request on February 3, 2014.

If you have any additional questions or concerns, please give me a call anytime at [redacted], Monday through Friday, 10a.m. to 6:30 p.m. ET. I'm glad to hlep anyway I can.

Sincerely,

Consumer

Response:

The regional rep from Capital one was very helpful and he has assured me that the individuals that pushed there limit with me have been spoken to and there way of solicitation from old purchased records from long ago credit cards will be reviewed. Thank you Revdex.com.

[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: Contacted customer service in order to setup a TRAVEL NOTICE for my Brazil trip, and requested a PIN number via phone for cash advance after going thru the verification process (Public record, SSN and specific security questions). After setting the new PIN number I was told I would be able to use my card immediately at the overseas ATM.

While having Fraud/Customer service on the phone I attempted to withdraw cash from a Brazilian ATM, the card got denied twice. Customer service then notified me that card was now blocked (even though it was the same session that validated my identity), now the customer service department is telling me that the only way to unblock my credit card is to go to a local bank and have them validate my identity.

However, I walked into TWO different banks in Rio De Janeiro ([redacted] and [redacted]) and both do not have any procedures to do such checks!! they dont know who to report to and have no training. It is impossible for me to get my card unblocked by this unreasonable request by customer service.

Prior to the block by the Capital One Fraud department I already had a TRAVEL NOTICE for Brazil setup, their system still flagged my transaction and totally ignored my prior calls/travel notice. Therefore I believe the company Capital One has not fulfilled their responsibility to support their customer (me) - since this block has largely inconvenience my overseas travel which will last 2 months ending in August 5th 2014.Desired Settlement: Immediate unblocking of my account and resume original account standing, my phone number has changed to [redacted] and they will not update it neither via online banking or via call center stating some stupid procedure....

I can receive mail at [redacted] and they could mail a secret code, but they have not provided this option to verify my identity just some obscure procedure that even Brazilian bankers don't know squat about.

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint to the Revdex.com about the restriction placed on your Capital One account.

Our records show on June 20, 2014, you spoke with one of our fraud representatives, and as a result of the conversation your account was unrestricted.

We'd like to apologize that your customer experience did not meet our expectations and for the time and effort you expended during your trip overseas. We realized that this has been frustrating for you, and we have issued a credit of $50.00 on June 27, 2014, for the inconvenience this has caused. You will see this credit on your July 2014 statement.

If you have any questions or concerns, please give me a call at [redacted], Monday through Friday from 6:15am to 3:15pm P.T. I'm glad to help any way I can.

Sincerely,

[redacted], on behalf of Capital One

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: My accounts were closed by Capitalone and I was advised that I had a 0 balance on all 4 of my cards. I received a notice stating I owed $85.95 for a re-bill and fees.Desired Settlement: I want Captialone to honor the 0 balance agreement and to be sure that nothing negative is being reported to the credit bureaus as I have 100% on time payments.

Business

Response:

Dear [redacted],

I'm reaching out to you about your complaint filed with the Revdex.com of Central Virginia, I understand you have concerns about the current balance on this account. I've researched the matter fully, and I'd like to share with you my findings.

Our records show on December 31,2013, [redacted] billed $60.00 to this account. On January 6,2014, we received your electronic request to dispute this transaction as "non-receipt of merchandise." On January 6,2014, we applied a temporary credit of $60.00 to your account and began our dispute investigation.

On January 8,2014, [redacted] credited $60.00 to this account. At that time, we should have billed our temporary credit back to this account. However, due to agent error, we did not take this action. I'm sorry for the frustration this has caused.

On May 2,2014, our system automatically billed back the temporary credit of $60.00, which resulted in a balance of $60.00. This balance, along with a minimum payment of $25.00 due by June 1 5,2014, appeared on your May 2014 billing statement. When no payment was received by June 15,2014, a $25.00 past due fee and $0.95 in interest charges billed to this account.

We've credited $60.00 for the rebilling of our temporary credit, plus the $25.00 past due fee and $0.95 in interest charges. These credits bring the account balance to zero and will appear on the July 2014 billing statement. Additionally, we confirmed no negative payment history was reported to your credit file.

If you have additional questions or concerns, please give me a call at [redacted], Monday through Friday, from 9 a.m. to 6 p.m. ET. I'm glad to help any way I can.

Sincerely,

[redacted], on behalf of Capital One

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: Capital one took 2,007.39 out of my checking account and I've been waiting since july 2 to get this fixed everyone at capital one keeps telling me a different time line to which the money will be put into the checking account on july 10 I have talked to 7 different people and still can't get an answer on when the money will be returned to my checking account and because of this problem I have several NSF the coustmer service is horribleMy complaint concerns: a Credit CardDesired Settlement: the over charges put into my checking acct and the NSF paid back to me

Business

Response:

Dear [redacted], I am reaching out to you in response to your concerns filed with the Revdex.com (Revdex.com) about a payment made to your account. Thank you for speaking with me on July 16, 2015. I apologize for the time it took to have your money returned to you. On July 13, 2015, we initiated an Automated Clearing House (ACH) refund to your checking account in the amount of $1807.85. It can take 24-72 hours for the funds to post to your bank account. I have also provided feedback to the appropriate departments, and issued a check in the amount of $300.00 to the address on file, to help cover the insufficient funds you received from your bank. Please allow one to two weeks to receive the check. In review of your account, a payment was applied to your account on July 1, 2015, in the amount of $2007.85. I understand the payment was intended to be in the amount of $200.00. The funds posted to your account on July 16, 2015. On July 13, 2015, the account was closed by your request when speaking with our Customer Service Department. Again I’m sorry that your concerns were not resolved when you initially contacted us. If you have any questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 8 a.m. to 7:20 p.m. ET. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy to help in any way that I can. Sincerely, [redacted], on behalf of Capital One

Review: Kohl's Corporation took back an order I had placed with them. They said they were going to update my balance in the next 15 to 30 days. It has been longer than that and my account never got credited for that order. So I had a balance which isn't what should be. So even though that wasn't my correct balance I was still been charged interest. Now I got a late fee which I refuse to pay because if my account had been updated I wouldn't have the balance they are charging me for.Desired Settlement: I am seeking a full refund on all of my balance. Do to their interest charges and late fee for an order I never got and never received. They fraudulently continue to charge me interest on a balance which wasn't.

I am seeking full payment of balance of 141.69.

Business

Response:

Dear Mr. [redacted], Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of Kohl’s for resolution. While Kohl’s has an established partnership with Capital One N.A., we provide the in-house servicing for your Kohl’s Charge account. As it is my intent to provide our valued customers with quality service, I appreciate the opportunity to review and resolve your concerns. In your complaint, you state that Kohl’s failed to credit you for a returned Kohls.com order. You are requesting that Kohl’s process the full credit for this order, as well as reimburse you for any assessed late fees and interest. Upon review of your account, our records show that on April 30, 2015, you placed Kohls.com order #[redacted]. Regrettably, when placing the order you input the incorrect shipping address. You contacted our Kohls.com customer service on May 2, 2015, and requested we change the shipping information. We followed up with you on the same day and informed you that we were unable to change the shipping information once the items have been sent, but that we would credit your account when we received the merchandise back to our warehouse. Due to a system error, on June 3, 2015, a partial credit was processed to your account for $46.01, rather than the full amount of the order, $110.60. On July 27, 2015, the remaining $64.59 was credited back to your account. As a courtesy, we have credited the $25.00 late fee that was assessed to your account on July 16, 2015, and the $4.91 in interest fees that were in relation to this charge and were assessed to your account on July 21, 2015. As of the date of this letter, your account has a remaining balance of $49.40 stemming from a previous balance. I have enclosed your recent statements for your review. We apologize for any inconvenience this situation may have caused. Mr. [redacted], I trust the information provided resolves your concerns. If you have any further questions, please do not hesitate to contact me directly at [redacted]. Sincerely, [redacted] Sr. Executive Correspondence Advisor Office of the President Kohl’s Department Stores

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]. Thanks for your time and response.

Regards,

Review: As of last year Capital One has restricted my accounts and for that I want them to close the accounts that are under my name.Desired Settlement: Capital One Financial Corporation Cancels all Credit Cards related to me.

Business

Response:

Dear [redacted], I am responding to concerns filed with the Revdex.com (Revdex.com) about closing the accounts in your name. I have some information I’d like to share. Your accounts ending in [redacted], [redacted], and [redacted] have been closed, and will be reported to the Consumer Reporting Agencies as closed, within 30 days. These closures are permanent, and the accounts cannot be reopened, even at your request. If you have a balance on any of your accounts, please continue to make payments until your balance reaches $0.00. Your accounts will be reported as paid in full on the first statement with a $0.00 balance and no pending transactions for each account separately. If you have a credit balance remaining, a refund check will be mailed after two statement cycles. If you have additional questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 8:30 a.m. to 5 p.m. ET. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I look forward to speaking with you. Sincerely,[redacted], on behalf of Capital One

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,