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HEY, WE USE THIS ALL THE TIME!
WAIT...WHAT???
CHECK MY WHAT?
KNOW MISS STEAKS
AND YOU KNOW THIS...MAAAAN!
100
"Capital One drafted funds from my checking account for a payment on my account, which I did not authorize."
What is Regulation E - Electronic Funds Transfer Act (EFTA)?
100
This regulation is regarding the right to some level of privacy from government searches.
What is Right to Financial Privacy Act (RFPA)?
100
Uphold, Partially Honored, Honored, Not Applicable
What are the options for Primary Resolution - Other?
100
This punctuation mark must be used at the end of sentences, even when using bullet points.
What is a period?
100
"Capital One is inaccurately reporting my account as delinquent for May of 2012, when I made my payment on time."
What is Fair Credit Reporting Act (FCRA)?
200
"I deposited my check and understand the funds would be available the next business day, but they were not available until seven days later."
What is Regulation CC - Expedited Funds Availability Act?
200
This regulation governs extensions of credit to insiders, which includes directors, executive officers, and principal shareholders of a bank and its affiliates. It includes special restrictions on loans to executive officers.
What is Regulation O - Insider Lending?
200
Where you enter the dollar amount when providing the customer monetary relief.
What is Monetary Adjustments?
200
Always use this in your salutation.
What is "Dear"?
200
"I received a billing statement intended for another customer."
What is Gramm Leach Bliley Act?
300
"I received a 1098-1099 and do not understand why."
What is IRS Rules and Regulations (1098/1099)?
300
This regulation applies to the online collection of personal information by persons or entities under U.S. jurisdiction from children under 13 years of age. It details what a website operator must include in a privacy policy, when and how to seek verifiable consent from a parent or guardian, and what responsibilities an operator has to protect children's privacy and safety online including restrictions on the marketing to those under 13.
What is Children's Online Privacy Protection Act (COPPA)?
300
The field where you enter the number of times a customer previously contacted Capital One.
What is Service Impact Comment?
300
These should be no longer than seven lines.
What are paragraphs?
300
"I just joined the military and am now on active duty. I would like my annual percentage rate reduced on my loan."
What is Servicemembers Civil Relief Act (SCRA)?
400
"I want to cancel the Private Mortgage Insurance on my loan, but Capital One is making the process difficult."
What is Homeowners Protection Act (HPA)?
400
Otherwise known as the Currency and Foreign Transactions Reporting Act this regulation requires financial institutions in the United States to assist U.S. government agencies to detect and prevent money laundering. Specifically, the act requires financial institutions to keep records of cash purchases of negotiable instruments, and file reports of cash purchases of these negotiable instruments of $10,000 or more (daily aggregate amount), and to report suspicious activity that might signify money laundering, tax evasion, or other criminal activities.
What is the Bank Secrecy Act (BSA)?
400
Details of the case are entered in this field.
What is Description?
400
This should include less than 20 words and no longer than 2 lines.
What is your opening line?
400
"Capital one will not stop calling my place of employment, even though I have asked them several times to stop."
What is Fair Debt Collections Practices Act (FDCPA)?
500
"Capital One did not disclose the rate for my auto loan at its inception and I am now concerned that I am paying too much."
What is Regulation Z - Truth in Lending (TILA)?
500
I have totaled 6 cars, damaged 11 cars, and hit my head 15 times, but nothing is wrong with me.
Who is Mike Larez?
500
15 days
What is the timeframe allowed to respond to the CFPB?
500
This style of organizing grabs your attention and keeps it. Customer's Major Concern First Other Concerns Next Miscellaneous Information Location
What is The Inverted Pyramid?
500
"Capital One declined me for a credit card, but never disclosed the reasons of their decision to me."
What is Regulation B - Equal Credit Opportunity Act (ECOA)?