Capital One
reviews and complaints

I recently had my vehicle repoed because of a conversation with an account rep. Several months ago i was in the hospital, i had received a call from cap 1 on my cell. I had been making my payments each month but sometimes not the full amount. I'm on SSID, I'm a bilateral amputee and i have luous, my ex husband is the main borrower in the account but he hasn't helped me with the payments in over two years.
Anyway this conversation i told the account rep that i have received several callous already, that i was in the hospital and that they were harrassing me. Well a cease and desist order was placed on account which i did not authorize, the payment plan i had set up with them was removed, so since they didn't receive the scheduled payment nor could they contact me because of the order, they repo the car.
I got the car back within 48 hours. It cost $2200 fortunately my mother was able to help with the cost, but cap 1 says that because i said the word `harrassement` was grounds for putting the cease and desist order on. By law it must be in writing and i didn't do this and also they said they had no record of on order in writting on file.
Cap 1 has very poor business practices, the reps aren't properly trained. Something definitely needs to be done to correct them. Over the life of my loan i can't count how many times i had set up payment arrangement whenever i had a financial issue and the information isn't documented.

Due to the recession, I was forced to take a job in Ontario Canada, and was current on my car payments when I left. I have spent every month since my arrival in Ontario, in conversations with Capitol One representatives simply trying to find a way to make a payment on this account. Every time we think we have found a means that will work something happens. Usually it is the fact that their accounting system will not accept payments in any form if it is not keyed to a zip code and my address is in Canada and has a postal code. The payments attempts have involved all forms of US credit cards, western union, money gram and US dollar checking accounts. However the last mess up has come because the person at the office of Montery CA, decided that the postal order from Canada Post sent in US dollars (a form of payment carefully researched and negotiated with a special representative at Cap One Auto Finance) - was in Canadian dollars. This was despite the circled underlined US dollar amount, and despite the note attached saying this was in US dollars. The check has been returned to me according to an account rep, but it has not arrived in my mail box yet. This means that the funds that are invested in the money order are unavailable to me. I have spent numerous hours on the phone, going to places that agents have recommended, and as well have lost funds in transfers from US to Canadian and back based on the varied solutions this company offers. Now I back at square one dealing with agents who want to be helpful but seem disabled by a fragmented, antiquiated, and disconnected finanacial system that is not able to solve problems and forces its workers to operate in ways that make them unhappy - as I think they are as frustrated as we are.

I am stunned by this behavior by an internationally prominent company, particularly regards Canada which is currently doing far better than the US in the recession due their high fiscal management skills and financial reputation. I am a US citizen and would be happy to participate in a class action suit, as it seems to me that something is really wrong at Capitol One Auto Finance JP

completely agree! i will start doing some leg work on this end to see what we can do about CAPITAL ONE...i thought i was losing my mind when i was going over the printout of payments i have sent in...it is just a joke...

I agree with the settlements of Class Action lawsuits. However, my ultimate goal is to cease the unfair business practices of Capital One. I have a full week this week but I plan to consult a Civil attorney on next week. Please keep me abreast of your progress and I will do the same.

I agree but would it financially benefit all of us that have been affected. Alot of times with class action suits there are so many people involved that everybody gets paid off with some pocket change and it is more work than it is worth. I have had my name in alot of class actions and I have never gotten a dime. You have to think, we are all in over our heads for atleast a minimum of $10, 000 up to (I know I am in to them for $18, 000) and higher. If there is a lawyer out there that can prosecute and financially help all of us out and FINANCIALLY RUIN AND TAKE OUT OF BUSINESS CAPITAL ONE AUTO FINANCE, I am in whole heartedly. I would be glad if all of our loans would be cancelled and reported to our credit reports as PAID IN FULL AND CURRENT so that our credit reports could get some help. I have a friend at work that has a husband that is a prosecuter, county. I will ask him and I will write a letter to the NE Attorney General. Lets throw it out to everyone and see who can file the first claim for all of us.
ctaulbee69

I am in Alabama and I too share your sentiments. I think we should start a class action lawsuit. if you read all of the complaints on this page and the following pages I am sure a lawyer would take our case.

We spent the last 6 months keeping our car from getting repossessed by Capital One Auto Finance. To the point where I put our house in jeopardy. I had been making our payments on time to the point of over drafting our checking account and making the full amount. We were in upside down so far, I told my husband it was going to be his casket when he died. One night at around 11:00 p.m. the repo guy showed up. He said if I could prove that the payments were current that he would return the vehicle the next day. Every month we got a new account rep, every month the other person knew nothing about the other person, they did no documentation on their computers. They would call us both about 10 times a day. I think everyone should contact their state attorney general and turn these people in and get them stopped. As for anyone that is making the attempt to keep from getting their vehicle repossessed and having to fight every month to keep it, go ahead and let it go. Otherwise some unexpected night, they will show up any way, even after you get the payments, so called, caught up. If you are having to fight wit repossession people, your credit is already shot because the payments are behind. Save yourself the headache, go out finance a different vehicle and let the other one go. As long as you have one good finance going on your credit rating, a repossession whon't hurt so bad on the credit rating.

I too have been a "victim" of capital ones debauchery. As most of you due the economy i fell behind in my payments to the point that they were going to reposses my explorer. I called capitol one and aske how much do i owe to bring my account current. It was about 2000.00 which i was able to pay. Now that the end of my loan is maturing the mysterious late charges are appearing. I have called the company and pleaded my case saying if you tell me how much i owe and i pay it, how do i owe you more? Needless to say i have got the run around like you wouldnt believe. Just yeaterday, 10/30/09 i spoke to a Jennifer in one of the departments, she informed me that she is not in customer service, but if you are helping a customer, isnt that customer service? After some discussion i asked to speak to her supervisors' supervisor and you wouldnt believe the response i got. She told me "they do not have time to deal with customers" At wich time i informed her that customers are the reasons they have thier jobs. Folks if one person reads this and turns away from capital one than my effort will be worth it. The part that really gets me is i have asked for an office where i can meet face to face and the representative Jennifer told me that they do not have an office. Go figure.

LOL I havent gotten one from capital one however one day I got a letter from hyvee grocery store and on the letter it said I bounced a check for $0.00 so I have to pay the bad check fee of $30 for a total balance of $30.00 I called the company and the did not know what I was talking about so they said it must be a computer error, dont worry about it. I have never shopped nor do I know what a hyvee is yet they have my info. Long story short tell your friend to be careful of someone using his identity and not call number given on letter but find another phone number to capitol one to verify the letter.

I have an auto loan with Captial One Auto Finance which is one of four car loans that I have, plus a new house loan. We have had the loan for about three years and have never been more then 30 days late. We have been a few days late about 3-4 times during the entire three years. Our most recent experience with this company has been terrible. At this time, we are about 7 days late and have been recieving daily calls from them regarding payment. When we speak with the representative, whose is not even American (from India), they are very rude and seem to not even care about what we have to say. They simply want to know when we are going to make the payment. Incidentally, today we recieved four phone calls from them even after we informed them that the payment had been made. They wanted to know more about the payment; when we made it, how much it was, etc.
What I find troubling about the situation and the company is that, they are recieving payments and have for three years, and yet if you are a few days late, they find it necessary to harass you about getting their money which has never been more then 30 days late, just a few days. Not one of the other three loan companies have ever called us regarding payment. I guess that Capital One has to pay for a college football game. The second problem I have is that the calls are always from India. I guess Americans aren't good enough to work for Capital One. With the economy being in the shape it is one would think that big businesses would try to keep their jobs in the country. I image though that the CEO wouldn't get a big bonus if he had to spend more money to keep jobs here in the states. Plus, sending the jobs to other countries helps establish resentment between the US and the other countires, which is also good business, right.
One thing is for sure. I will never use Capital One again to finance anything. I think that they are rude, inconsiderate, un-American, and nothing more than a money grubbing company.

So, I decided to refinance my auto loan with Capital One. I had been a card holder for 10 years and, based upon my experience, they would be a good partner. Well, I received the loan and paid the bill on time. Unfortunately, the economy made it such that I missed a payment. In addition, I decided that I wanted to pay off the loan ahead of schedule. So, I called Capitalone and agreed to a payment of $ 375.00 on the 2nd and 16th of each month. They would debit my checking account. Mind you, my monthly payment is $ 528.00. Well, then, the phone calls started and increased and the E-mail notifications of "handy ways to make your payment" started appearing. I called them and they kept telling me I was past due. I proceeded to tell them that, in the 2 month period, I paid 1875.00 when only $ 1, 056. was due. No one. Not even the SUPERVISOR understood what I was explaining to them. I had my lawyer send them a cease and decist letter. That didn't work either. I am getting approximately 10 calls a day, . 7 days a week and 2 E-mails each day. They tell me it's an Accounting problem but they cannot, as COLLECTORS, call Accounting. I am not allowed to call Accounting. So, now I am going to write to the hot shots and see if that brings any resolution. In the mean time, I have stopped the payments and will be issuing checks for the EXACT amount of the monthly payment and will send put the extra money in MY bank until such time as I can accumulate enough money to pay off the damned loan. They must hire uneducated people. It's a damn shame.

You people are [censor]s.. Just pay your bills and you won't have anything to worry about. WOW what a weird concept...

1. if u owe cap one auto then is there a chance you owe others? if so then its probably not cap one calling u 10-40 times per day as people claim. I am a current employee of theirs and can tell u all that there are laws in place to keep that from happening..
2. from what you were describing LT sounds like for the entirety of this ordeal you still have yet to pay the month that u missed. While making one monthly payment at a time is great u self admittedly missed one yes? if so then all you are doing is continually running past due and accumulating more interest on the loan for that one month... on top of that if you look at how your loan breaks down your payments are applied as follows:
1. interest is paid first!
2. after interest is paid then comes your principal

this could explain why the system shows that you owe more then you think also by now you have late fees etc... all those are taken into account as well.

Once people get this through their heads the better they will be. What I would do is call, the number is [protected] and ask for a printout detailed copy of your transaction history. This may better assist you in finding out what the accounting "snafu" was. Good Luck!

Tude,

I agree with keeping jobs in america. I am an employee of C0apital One Auto Finance. All i have to say to that is... the CEO is Sanjiv Yajnik...hint hint? Also, we start "courtesy calling" at three days past due, if u tell the rep when, amount, and how payment is being made they will place a promise on the account and get the calls to stop as long as u meet that promise.

Mej,

That is impossible no account may be contacted more then 15 combined attempts over any and all numbers in one business day... if u owe anyone else they may be calling, don't blame Cap One Auto we actually have systems in place to keep that from happening.

I have received more than 25 calls in one day...they use 13 differente areas codes...

We should start a Class Action lawsuit against this company. I think this will get their attention.

You are lucky...I get between 15 to 20 calls per day from Capital Auto finance. starting from 830am and not ending until 9pm, and this is on my cellphone. So my cellphone bill is so high from their daily harrassing calls. I wish there was a way we could sue them for harrassment.

Capital One Auto Finance has hired a investigation company or so called investigation company called CCI and they are unlawfully going to my parents home and digging up information on my personal life. I refuse to give up my car because of fraudulant late fees that Capital One has charged to my account. I have written to COAF to get more information and this is when they hired the Phoenix based company CCI aka Camping Companies, Inc.,

I have been getting daily phone calls from Capital One, regarding a relative. They will not tell me what the issue is, they just ask for this person. More recent calls have not even asked for the relative, I say hello one or two times, then they hang up. Capital One is calling my work cell phone! The relative does not live with me, and I have no business in this person's life. When I called to complain, I said these calls could be considered harrassment...the manager I talked to in the Philipinnes said it was more unethical!

Capital One hired a CCI company who claims to be an investigation company to tap into my personal life. CCI is a repo company in AZ called The Camping Companies, Inc. They have no lawful authority to take your care unless there is a court order and they cannot trespass unto your property without your permission. They cannot lie about who they are. Contact your attorney general and write to them immediately.

they could have been doing a soft check as well to pre qualify you for a card. like the other person said, write a letter to the credit bureau see what happens. Good Luck

I would write a letter to the company you received the credit report from, hopefully it was either one of these; equifax, experian, transunion, to see if you can have to removed. Good luck

I am in Louisiana and also am trying to get my title for my car after bankruptcy was completed and Capital One was paid off.
I have sent letters and a copy of my registration to many addresses that were listed online and also sent an email but I have
not heard from anyone yet. Why is it so difficult to contact a consumer who has paid you off and would just like to have their title
to their vehicle?

I forgot to mention that they also gave me false information regarding the location of my car. They informed me it was in md, so when I returned to maryland they later told me sorry they made a mistake, the car was still in the other state. I fully believe they did this so they could hold me up and auction the car to give me a deficiency balance. They are the most miserable business entity, this only verifies that greed and money does not bring happiness, only heart attacks.

They clearly displayed unreasonable harassment and unethical actions.

call all 3 credit reporting agencies and the bbc, as long as you have all the verifications to support your claim, they will correct this.
then sue them, they are all about fraud from start to finish, they tried the title scam on me, called me at least 10 times a day for 2 years. paid a creepy repo man to follow me almost 100 miles out of state to take my care in the midde of the night from a resort.hotel for a $2000 loan which is about equal to the value of the car which was only 30 days late, had made a payment the day before they illegaly repossessed my car.

I am suing the hell out of those freaks.

Hy, I'm from NJ and l now im havin nightmare with this ### of capital one auto finance, like 40 days ago i had ben paid the total of my finance, so a had call them to conform that my title is gona be in my door an 1 week, so they said of course, and i was wait the frist 2 weeks and nothing again, I call them to see what's going on, they said that i have to wait cause they have to prepaired every papper work, and i said ok, what can i do, wait...now i call them everysingle day to claim about the title and I'm stil have a problem e to get my title for my car, I have never had so much trouble having busines with a bank in my life. capital one autoloan bank, costumer service and title department is the worst that l see in my life, hopefully tha bank get bankruptcy like others, and I m not gonna feel bad for the people who working there, because the bank is a piece of crap, and the workers is the same ###...they dont help, who pay they salaries.(MANADA DE IMCOMPETENTES)

Just paid off my car loan. I purchased a car last July 17 and paid it off, with $2000 of interest. Have two credit cards with Capital One, If you pay on time you will not have any issues.

My wife and I have made every payment on time and most of the time payed extra. Got someone to buy vehicle from us for payoff after my wife lost her job a year and a half after loan origination. I called to see what the procedure was for paying off vehicle the fastest way so I could transfer the title to new buyer. Called four times to make sure what I had been told was accurate and every customer service rep. said the same thing; pay with certified funds, send it overnight and title will be released in five business days! So the buyer gives me a cashiers check(certified funds), we overnight to Capital One Payment Processing in Monterrey Park, CA, called two days later, [protected], to see if they had gotten it and when it will be processed and title released, some foreigner tells me that since its certified funds it will take 7 to 10 days to process. I'm like WTF? Then I begin to explain to her what the customer service rep's. had told me and all she can keep saying is, "I apologize, but they were misinformed." I speak to her supervisor, who is also a foreigner tells me the same thing! I don't want your apology, I want the title to the vehicle I just overnighted a cashiers check for. Then she says, "After they process it, it will take another five days to release title." OMG! 15 freakin days when I was told 5? REALLY? By this time all I can do is cuss this ### out! How hard is it to follow your own policies! I will never deal with these idiots again; once they release my title! I foresee this going to litigation, bunch of stupid, foreign, unethical, asinine crooks.
MAY GOD HAVE MERCY, if you get a loan through Capital One Auto Finance.

Everybody's comments sound like what were getting ready to go through. Were down to the end of our payments, but being told we

owe more than the term agreement, But i have not seen anyone answer if there is any legal action that you could take.

Someone please answer if we need to get an attorney. thanks

I had a loan that was always paid on time. When the residual balance was 1540.59. I called to verify the pay off amount - they confirmed it was correct if paid by due date. I made the payoff before the due date. Expected to see the vehicle title the following month, received another bill stating "14.03 due with an account balance of 13.99"? promptly paid another $15. The following month no title rather another bill "14.12 due with a 14.07 balance" All the checks have cleared and these guys are fools and crooks. Now acting BBB and an law firm to extract a title for a car that was paid off. Capitol 1 Auto Finance Crooks to the core!

Thank you! We will try this and keep you posted!

We had a 72 month auto loan with this bottom feeder company back in 2006 (had to go with them because of another bottom feeder self insured workers compensation company). We had our payments automatically set up through our bank to be paid every month, and they were. At one time, we were 2 months ahead, because of making an extra payment when we could. They called on Oct. of 2012 congratulating us on meeting the obligation of the loan. Since that call, we get many harassing phone calls daily, telling us to disregard that phone conversation, and that we owe anywhere fron 975.00 to 1300.00 (can't get their story straight). They said that they found one payment not made, changing from in 2006 to June of 2012, to October of 2012. They also said there was a deferment from 2006 or 2008 "they are not sure". What they are probably referring to was way back when they said a payment was not made, and my bank had the proof that it was, and even spoke with them on the phone during a three way conversation. I called and called about the "late fees" on this pseudo skipped payment that turned into a late payment. I also wrote notes regarding it on their inaccurate statements until they stopped sending us statements. Bottom line is that we financed a 16, 000.00 truck and on our original paperwork stating that with interest would be paying little over 20, 000.00, and we have paid them almost 35, 000.00 and cannot get our title. We speculate they will claim we will never have them paid in full. They even changed the original paperwork to my husbands loan to my loan. There is a lawyer that will look at the records for a discounted cost of 40.00, then submit other charges from there. It is a sin that our honestly earned income helped bail these criminals out, and they are still calling the shots. What type of attorney could help assist us in obtaining our title?

I got a auto loan with Capital One February 2006. Over the course of the loan, I took advantage around the holidays of deferring some payments. This pushed my loan mature date back to June 21, 2012. Around the beginning of June, I called Capital One to see if I could possible get an extension because if I paid my regular payment, $584, I would need until Sept. 2012 to pay off loan. The agent was very nice and even told me as long as I set up automatic payments for my June, July, Aug. and Sept. payments then I would be fine. No late charges would be assessed. Then noticed that he could only to 3 out at a time and told me to call back to set up final payment. After June payment came out and July rolls around, I get a letter from Capital One stating that if I didn;t pay balance in full that my vehicle would be repossessed. Called Capital One and this agent told me this was a letter basically stating that if I don't follow through with payment arrangement my vehicle would be repossessed. After July payment came out I called back to check on status because repo letter scared me. This agent tells me that the first agent had not businesses telling me that I was granted a 3 month extension because they don't do that, but needed to set up my final payment to avoid the repo. She could not promise me my credit would be affected. Checked my credit the end of July, and I am now 30 days late. Called Capital one. Even got a late charge on account. Agent removed late fee because she didn't know why it appeared because I was not late due to extension. August payment comes out and I get a 60 day late on credit report, but no late charge with Capital One on account. Sept. payment comes out paying loan off in full and now a 90 day late appears on credit report. I have disputed this with Capital One 3 times and each time they tell even though no late charges appeared on account, it was still late and there is nothing that can be done about it. What rights do I have and what should I do?

codan7225@yahoo.com

Listen, I have been dealing with Capital One for the same amount of time, maybe a year longer. Our loan sounds exactly like ours except the dollar amount. My husband is not a very good money manager. We have separate checking accounts and I am solely responsible for making sure that rebuilding our credit is my department. I pay all our bills early (generally the day I receive the bill) it gets paid. Anyway, my husband used to allow Capital One to automatically withdraw his monthly car payment from his checking account until last March, 2011, when I had him pay a one time $30 fee at Security Bank (his bank) to rescind this automatic authorization. A couple of months ago, my husband was doing his daily banking and discovered that he was bouncing checks right and left. He said he hadn't written any checks, and he knew where his balance was supposed to be after he put his paycheck in. Long story short, if anyone rescinds Capital One's authorization to automatically debit your account for a car payment, make sure that your bank honors this legal document. They have been allowing Capital One to take the car payment out on the 3d of the month. I pay this car payment on the 16th of every month from my online checking account at another bank. Anyway, not only is Capital One breaking a federal law by continuing to get their hands on his money and me making a payment two weeks later, they are greedy sons-of-@$(hes! I have talked with his bank and they supposedly have this resolved now...but Capital One is charging my husband a $25 NSF fee and a $25 late fee because they now cannot take it out on the 3d of each month. If anyone USED to pay their car payment this way and changed it for whatever reason, please, please, please...go into your online account and check your statements and make sure that they haven't got a little top heavy on Capital One's end...and less on your end. It is a federal law and if they try to dodge this notice next month...really I am ALMOST HOPING THEY DO TRY TO DO IT AGAIN then maybe someone will finally take notice of my ongoing persistent complaints regarding Capital One's sleezy business behavior and their ruthless ways of conducting business. I am currently trying to track down the last six months since this was put in place and see how many times they have gotten away with this and we just happened to catch onto it two months ago! My husband is not a very good money manager and relies on my persistence in getting the record straight and paid according to original terms. We even pay more than what originally was in the loan payment amount...but, I cannot wait until we can pay off this note and I hope I am dead in my grave before ever coming cross dealing with Capital One ever again. BUYERS BEWARE...CHECK YOUR ACCOUNTS. I also tried to check his loan account (Capital One) online, but got locked out because I tried one too many times ... and do you think they are going to help me in anyway to reactivate this account? I think I will try to set it up again and go look. They started charging late fees from the very first day the loan was authorized thru the car dealership (big mistake there)...you know how you have a month until you are required to make your 1st car payment (after the initial sticker shock) and dealings...they started the late fees since the day we signed the loan agreement. I will not go quietly into the night until this is resolved...this is my mission in life to get my justice (not necessarily revenge ) and make Capital One Auto Finance honor a legal binding agreement. I will not give up until I am satisfied that I owe no more than I am legally responsible for and nothing more! Thanks for letting me vent...sometimes, I just have to go to the shout out board and let loose. If anyone ever learns anything by being associated with Capital One...you appreciate the important of safeguarding your credit...it is as pure as one's virginity!

I cannot agree more. Capital One is ruthless and unscrupulous...we used to have the monthly payment taken out of my husband's bank account...and 16 days early to boot! Then he changed to a new bank and I stopped the automatic debit from his account in March, 2011. Well, low and behold, he couldn't figure out why his account was always overdrawn and NSF fees being charged. He paid the bank $30 to stop Capital One being authorized to automatically help themselves as it were. I pay them on the 17th of every month (the original due date) and I also pay a couple of dollars more a month despite the loan agreement. Well, low and behold, despite Capital One being notified that they no longer had authorization to take the automatic monthly car payment out (this was March 2011) this is September 2011...they continue every month to take it out and the bank has been caught not honoring their own legal notice to cease transactions. Capital One receives their payment ON TIME in FULL AMT and they charge us a $25 late fee for NSF fees, as well as my husband's bank charging him $30 for NSF fees. Totally unacceptable. I am trying to figure out just how long this has been allowed/going on because he throws away his statements. We have separate accounts, he doesn't know how to manage money. I am the bookkeeper regarding all the household bills. Just want you all to be on the look out if you had automatic withholding for your car payment and you thought you paid to cancel that authority ... you might want to check your bank's records and make sure that no funny business has been going on. OR you may owe less than you think! But since we are all here and we all deal with Capital One, we know that can't be the case...they never cheat themselves now do they!? I am waiting on a PI settlement and want to pay them off, but I am going to have my attorney handle this for us because I have read on the Complaint Board that people who paid off their loan, had an extremely difficult time in receiving the title to the vehicle, if they ever did! I will hopefully be dead before I ever have to deal with this outfit again!

When you receive any statement from a legitamite company that bills you for an account, it clearly states the amount that is owed with late fees. Also, late fee amounts are stated at the time of purchase of vehicle. If you pay any account late * (If there is a late fee) that amount will be noted and requested with payment. When you send your payment including that stated late fee, it should be clearly used as such. If it is your intention to send $21. 00 to be applied to principal then there would be no need to add it as a late fee. I can clearly distinguish a late fee from a principal payment, there is no way i would send a $21. 00 payment to be used on the "principal". Especially when billing statement clearly states that a $21. 00 late fee is due and added to current payment due. I always indicate how much i am paying and why! That's how i handle my business. Capital one auto finance deliberately does not post late fees in order for it to accrue and they make profit! Don't just wash your hands of any unfair situation, make others aware and contact others to try and make a difference! (Businesses can make a profit with out ripping off consumers)

i took advantage of a 0% interest offer from Capital One 2 years ago, when I accepted the offer it was for 12 months. during the 12th month I recieved a letter from Capital One stating "...we have decided to renew your promotional rate period. You'll continue to enjoy the same promotional purchase rate you are paying today until January 2011." In July 2010 I began recieving interest charges on the account so I called the company and after talking with 3 reps I finally got an interest credit, only to have to repeat the whole cycle every month for the next 3 months. Last month (October) I went through the whole thing again, including being disconnected, and did not recieve a credit. The rep I spoke with gave no regard whatsoever to the letter in my hand. There surely should be some stiff penalty for false business practices of this sort. Will I stay with Capital One? - Why not pay interest to a company that will be straight up honest about the interest charges to start with?

There is not a law stating they cannot call you while you are at work. If you owe them a debt, they can call whatever number you provided them with at the time of application, including your job. Although there is not a law that prohibits them from calling you, if you tell them you cannot take personal calls at work the calls should stop.

If you dont want to be called at work dont give them your work number. If you have no other choice but to give your work number, give them your work number than call customer service to have the number removed.

Your wrong. A creditor is allowed to call you at your work.

I had a very bad expense with capital one also I have close my account and advise everyone to do the same. Customer Service Sucks with a capital S !
p.s. tell all your family and friends please.

I am going through some rough financial times as a result of being out of work for 6 months, I now have a job but need someone to work with me on my Capital One credit card payments. They refuse to help their customers, they say they have no such program. What kind of customer service is this? Perhaps they would rather me file bankruptcy and get nothing?

i try to tell c1 i have no job dont call me during the early morning or at a daily basis it ticking me off but they dont listen to me at all i mean what they want me to do rob a bank and get sent to prison and i tell the judge and jury c1 are like a pack of wolfs for blood

i paid a late fee for a late payment in july. it was 15.00 dollars. know my new statement says that my payment in august is 15.00 dollars less than my normal payment. the man at customer service says that my late fee money isnt applied to my july bill, its taken off my august payment, so i now owe 15 dollars less in august. does this make any sense to any one out there?

I agree- whatever happened to the good ol' days? Cash never lies, like Capital One does. I live in NY and there are Capital One banks all over this place like flies on a dog turd. Anyway, I opened up an account with them about a month ago- big mistake! I was ripped off with three NSF charges because, apparently, the purchase and ATM withdrawls I made with my bank card were "pending" at the same time two checks I deposited were. But according to what their computer system said, I had the funds available when I made the transactions. Long story short, I'm out $45. Oh yeah, they also put holds on checks forever and the funds are never available right away. This is, by far, the worst bank I've ever banked with. Liars, scammers, so many negative comments I have about them! Shut them all down!