Capital One
reviews and complaints

This is a copy of my email to Capital One requesting an investigation. Mr. Newkirk is head of small business credit card division. I have not received any correspondence since sending it, not even an email confirming receipt of it. Since I hadn't heard back, I sent a copy to Richard Fairbank, the founder & CEO of Capital One. No confirmation of receipt once again.

Allan Kalish

Mon, Sep 19, 5:15 PM

to chris.newkirk

9/19/2022

Re: Dispute - Case number: [protected] and Case number: [protected]

Dear Mr. Newkirk:

For the brief version . . . following my original dispute for $140- emanating @ this time from a current statement, & for which the dispute was made timely, your representative, Ms. Ashanti, ID #OST986, had me change the disputed amount to the initial $192- because this was the actual total of the credit generated from the initial purchase. Ms. Ashanti failed to disclose how by doing this, it would result in a negative outcome as it all began so long ago. We shouldn't have to be burdened for being mislead by one of your seasoned staff members.

For the longer version . . .my husband, Allan, purchased 2 tickets for $192- from Sunrise Theatre to see musician/composer, David Foster & authorized Sunrise Theatre to charge $192- to our Capital One Mastercard. The show was cancelled; Mr. Foster required heart surgery & needed time to recover. When we were notified it was rescheduled many months later, Allan called the box office with the full understanding that Sunrise Theatre would use our credit to cover the cost of the tickets. Instead, I discovered our Capital One credit card was charged a 2nd time & without our authorization.

Allan called the merchant however he was refused a refund. The representative suggested he use the credit towards a future performance. Although he wasn't too happy with this response, he purchased tickets sometime later for another performance & insisted on using our credit as they indicated they would, they charged our credit card a 3rd time. (It became a pattern & the approach they used to force us to keep purchasing tickets for more & more performances). After I saw the charges on our statement, I spoke directly with the box office manager. I was given the exact same response that Allan received & realized we're being taken advantage of by this merchant's unethical business practices. I complained to the manager that Allan followed these exact instructions which hadn't worked & resulted in unauthorized charges. I then insisted on being sent something in writing. The box office manager proceeded to send us an email admitting to the unethical conduct. Now that I had the supporting documentation necessary, I felt it was time to dispute the current $140- charge & immediately contacted Capital One to report it. Under the Fair Credit Billing Act (FCBA) settlement procedures, unauthorized charges are the reason listed which apply here. I cooperated fully & provided Capital One with all documents as requested.

I called to follow up & on 5/14/2022, I spoke with your representative, Ashanti, ID #OST986, who encouraged me to change the disputed amount to the initial $192- as this was the actual total of the credit emanating from the initial purchase, although Ashanti failed to disclose how by doing this, it would result in a negative outcome (the initial purchase was made about a year prior). I recall saying that I wasn't aware I could go back so long ago to dispute the initial amount however she misled me to believe this could be done & indicated she had assigned a different/new case number to the dispute. I called again to follow up & was told the merchant hadn't responded & by this time it more than likely meant they weren't going to & I could most likely expect to receive a favorable final letter shortly. Again I followed up earlier this month & the representative requested I resend documents (this was the 3rd or 4th time I submitted the same items & I have kept receipts & confirmations of when I mailed & faxed documents). Thereafter, I did request to speak with a supervisor or two again. I certainly wasn't pleased with being told after all this time passed that it's been denied due to the amount of time that had lapsed from the initial purchase & told I should go back to work it out with the merchant. As I thought it was unusual that the Capital One representatives were requesting I resend the same information over & over again, that perhaps they were the ones who were delaying on purpose only to be able to deny it. And, why hadn't any other Capital One representative tell me I couldn't expect anything from the initial charges due to the original date of the charges?

It's also evidenced that our attempts to approach the merchant wasn't successful; hence the reason for the dispute in the first place.

Based on the inappropriate guidance by Ms. Ashanti, why should I bear the burden for her misguidance or lack of knowledge? Maybe it's mismanagement or a lack of training, but I have no control over this. This is costing me even more time to bring it to your attention. Credit Card protection shields us against liability for unauthorized use of our credit card. I sent the email from the merchant at least 3 times wherein she admitted fault.

I'm requesting your assistance in resolving this matter as it wasn't handled properly; there otherwise would've been a favorable outcome.

This is my good faith attempt to reach an amicable resolution & I thank you for your time & consideration with doing so.

Sharon Kalish

To begin with I have been working in the UAE since march of this year. On July 15th I was charged a 19 dollar annual membership fee from Capital One for a credit card. I was not aware of this charge until 3 months later when the late charges had accumulated to 77 dollars via my normal email that I've had for the last 20 years. I have not used this card in literally years So I contacted them the next day to resolve the issue to which they said nothing could be done. That's their prerogative. So I paid the fee closed my account and assumed that was the end of it. Then the next week my credit score dropped 63 points only to find out it was because capital one filed some deragatory filing against my credit. So the complaint is if they had the ability to contact me three months into this why didn't they contact me the first month? I didn't have a 800 Plus credit score by accident. So I'm asking for this deragatory filing against my credit to be removed.

Thank you,

Jay

James Pifer

Walmart refunded my checking account at Capital One Bank. 72 hours before today's date.

Capital One bank hasn't issued the refunded total. I spoke with a CSR and a claims department supervisor. I was informed that it was Walmart that only refined half the amount.

Walmart stated they sent the refund to the bank. It should have the total amount.

Capital One supervisor named Aberna was aggressive and unprofessional when speaking with her. She over talking and would not allow me the customer to ask questions. She was very dismissive in her reply. She stated she is the highest personnel within Capital One Banking. Furthermore she hang-up on the conversation when I was asking a questions..

Abena has a nasty disposition and should be allowed to speak with customers.

This is the worst experience I have ever had with Capital One Bank.

Capital One Bank is holding my refund; for an unknown explanation.

On 9/27/22 I scheduled a payment from my Credit Union to be made to Captial One through the Captial One app like I have always done. Captial One sent an email to me saying the payment was returned.

Well, I then used their app to try and find out why. Well, they just INSULT you through the app by suggesting you may have had insufficient funds. I have plenty of funds available. FYI: If you look through the Captial One app you'll notice one thing missing... A contact phone number.

Well the Captial One robo-text app tells me it's my bank. I head over to my bank and they show me my account and not to my amazement it shows that Captial One never requested the payment from my bank. Back home I have to do a search on the web just to get a Customer Service number for CAPTIAL ONE.

I call the number. I get a woman that knows the American/English language but can't speak it to well. I explain to her that I scheduled a payment BEFORE the due date but Captial One didn't pull the payment. After a back and forth talk about which month came first September or October, I told her September comes before October but she proceeded to tell me that was incorrect, October before September? Really? All she would say after that was "What can we do for you today.

She, herself told me she could see that I had scheduled the payment on 9/27/22 and that THEY, C A P T I A L O N E had input my bank account number incorrectly. I then informed her that was not my fault that as it happened on their side, it was Captial Ones fault. She said it wasn't. I have 3 different Captial One cards and I have never been late with a payment. I told her to look back through my accounts and she would see that the payments have always been made BEFORE the due date.

I should not have a late fee. My account should not show that I was late paying. She said they would waive the fee but the issue is that my account will still show I had a late payment when I DID NOT HAVE A LATE PAYMENT.

I keep receiving a call from a Michael Jones claiming he's with Capital One Mortgage (Telephone# [protected]) about foreclosing on my mortgage, I know for a fact Capiral One does not handle mortgages anymore because they transferred my account to Rushmore Loan Mgmt 5 years ago.

Please look into this for my Mother, Brenda Marie Hayward. The calling started 10/2/2022. They made 5 calls to her cell.

I have had problem getting an outside bank account connected with the capital one checking account and have tried several times.

Today I called the number on the back of the debit card and the rep was rude, short and at times literally non responsive when I asked questions. Or he would respond with I'm trying to tell you but you are interupting. To which I would reply I need step by step, not the run down since I am doing this while we are on the call.

At some point he told me he would have to end the call because they only stay on calls for 2 minutes, what the hell customer service is that. I spent more time on hold than 2 minutes! Im so upset with this bank.

It would not have come to this I anticipate if it was easier to find an actuall ATM or branch to deposit money, one that is actually convenient or one that doesn't ONLY provide cash withdrawal and balance summaries. SOOO, disappointed in this bank and that last rep was the final straw. To frustrating to try to figure out it's not worth the headache.

I am lawrence castle attoney of law about my client dean williams ending #2707 card number had apply back.Then he is being charge $411.31-$165.00-credit limit $300.00 fee charge

he was told that he will not be charge any fee.We are looking ninto this matter investigation.Legal.Department

information on document file with.Us thank.You.

My client had.No statement by postal.Mail.Any payment owe.

To him please look into matter futher investigation

corporate headquarter look into this account this account is closed reason that the customer.Services told him that

the payment on this account was not vald

October 1, 2022

Capital One Auto Loan

Account # [protected]

Vehicle: [edited]
[edited]

Dear Capital One:

I have several critical issues and problems.

I’ve called your toll free number at least 5 times in the last two months and your staff is not able to help me. Maybe this is too complicated for your junior staff to solve, but I need your help. I require a seasoned, knowledgeable troubleshooter, an expert.

My issues have been going on far too long.

ISSUE #1 – Your Operators Are Not Trained to Handle These Issues

I need a SENIOR, PERFECT ENGLISH SPEAKING person to handle all of these issues. Your operators do no seem to comprehend how to solve my issues. I do not want a person to whom I have to explain over and over again what my problems are.

ISSUE #2 - My Name is Wrong on My Account Info

NOTE the spelling of my name - it’s [edited].

Your records have me as [edited]; which is INCORRECT.

There is NO HYPHEN in my name. Can you change that please?

ISSUE #3 – Cannot Logon to My Account

I have both a Capital One Credit Card and a Capital One Auto Loan. I used to be able to

logon to your website to pay my bills. Now I cannot. I have not been able to for months; ever since I got your auto loan refinance.

Something is wrong with either the data you have for me or the account number, or the name. But I can’t seem to pay online.

I need a SENIOR, PERFECT ENGLISH SPEAKING person to handle this now. I’m getting tired and bored of this.

Issues Continued

ISSUE #4 – Cannot Pay Via Telephone

I’ve called your operators numerous times in the last few months and tried to pay over the phone.

They put me on hold and say “sorry for the inconvenience.” Time and time again they are not able to solve my problem. Time and time again I am tremendously inconvenienced.

I’m put on hold, I’m transferred, I’m told to be patient. Once I was told to call back in two hours because the trouble shooters were not available during work hours.

I’m tired, Capital One.

I just want to pay my bill on time.

ISSUE #4 - Please Remome Any and All Late Fees

As a result of the above, you have charged me late fees.

I’ve tried to pay, but was not able to. MANY TIMES and I just give up.

Please have a SENIOR, PERFECT ENGLISH SPEAKING person to handle all the above issues now and remove my late fees.

My email is [protected]@gmail.com

[edited]
Account # [protected]

Vehicle: [edited]

on july 25,I paid my metropcs phone bill as per usual in person at the store in Anneville Pa. The representative made a simple mistake and entered the incorrect number by one digit. my number is [protected]. The number the person entered was [protected]. This was confirmed on my next visit the following Monday by a different person. I fail to understand how metro chooses to contest this. That has been my only number for quite some time. Also your records will show that i use your card to pay it. Thank you for your attention to this matter. i would like to have the 127.00 refunded.

We now have three incorrect charges on our account. Your second level security system blocks are access to our account online. If we have to wait until we return home to the United States from Italy. These charges will become paid. On September 24 we were double charged $510.37 fo a car rental. On September 20 we were charged twice, for $9.63, for train tickets that we ended up having to pay cash for. The ticket machine was, obviously, malfunctioning. My name is George C Walker III. My email address is [protected]@comcast.net. We could really use your help.

We booked an airline trip from SeaTac Airport, WA to South Korea using Capital One rewards back in May of 2022.

My wife and I arrived at the airport on Wednesday (9/21/22) at 10am. This was 3 hours prior to the scheduled departure time for my wife. When she checked in at the airline counter, she was told that she would have to refile the required Korean Government E-visa as her birthday month was incorrect. They couldn't do anything there to correct it. I went online, using a computer in the airport USO to get a replacement E-Visa. There was a $45.00 charge for the application, which I applied against my Capital One Venture Card ending in 1991. Then, I waited for the approval. At 10:58am I got an Eno Text message from Capital One asking me about attempting to use my credit card for the charge. It also notifying me that it had been declined. I responded back yes, it had been me. I then got a second message to retry it, if declined. I had to start from the beginning again and go through the entire application process to reapply for the E-visa. I did that with another credit card. It kept asking for a passport picture and current picture, as well as other information. This took a great amount of time to obtain. It wouldn't accept the information I had submitted the first time, so it all had to be redone. In the mean time, enough time elapsed that the ticket counter closed, and my wife missed the flight. The final E-visa approval was received at 12:40pm. I am convinced that had the Capital One card not been declined we would have gotten the E-visa in time for my wife to make the flight.

The airline said we would have to contact the booking agent (Capital One Travel) for a flight change. I contacted the travel people, and talked options for over an hour with a Carolina. We re-booked the flight for Friday, 9/23/22 which was the least expensive flight available in a short amount of time. To do this there was a $120 airline change fee as well as $348.10 difference for the new flight ticket for a total of $468.10.

I strongly believe that Capital One should cover the additional expenses, as I'm sure we would have made the original flight and not incurred the fees had the card not been declined.

In this whole process, it has created a large amount of stress on both my wife and me. This also involved driving 4 hours through Seattle traffic and over 200 mile round-trip to the airport and back home as well as parking fees. In addition my wife will loose two days of her time in Korea visiting her 93 year old elderly mother. She hasn't been able to do this sooner due to COVID-19 issues.

I am greatly upset about this whole issue. I have been a Capital One Credit Card user since January 1998 and also have a large amount of money invested in your 360 Savings.

In my opinion, this whole trip (time, money for gas & parking) was wasted energy, and we yet need to do it all over again on the 23rd, because you declined my card.

I had previously checked on your website site about travel notification needs, and it stated that it wasn't necessary to notify you about traveling overseas. Yet, my charge for $45 was declined as the merchant's name for the charge was: KOREAETA.

After a recent 4 day trip to Pittsburg (from Canada):

1) We received email alerts stating 'An international transaction has been charged to your account'. The amounts shown on these transactions did not match anything actually posted to our account!

2) Pittsburg transactions which were actually posted to our account only showed amounts in CAD. Nowhere was there an amount which matched what was shown on my receipt slips or the actual exchange rate used (as was done on previous foreign trips)!

These deficiencies make reconciliations and error/fraud vigilence virtually impossible.

On 9/7/2022 I received my 401K transfer because I started a new job and needed to transfer the funds to my account. I also started a new career on 8/22/2022 and have my payroll check sent to my account. Now my $5000 has been held, hostage by the bank and no one will follow up. It's going on for a month and I am now facing eviction because the bank refuses to release my month for bills paid to the account. I am seeking legal help at this point. Dorthy in the Fraud Protection Dept spoke to me like I was discarded trash on 9/7/2022.

August 2022 - I had previously signed up for paperless billing. In order for that to work, CapitalOne must send me a text or email that my bill is due. This month, I did not receive this alert so I missed the payment date. When I checked the website, I saw that i was charged a $28 late fee and $26 in interest. As soon as I saw that, I paid it off. I did not use the card for the rest of August and September, so I was shocked to see that they charged me another $26 interest after I had already paid the bill off. When I called, the person did not speak clearly in English - must be offshore in India. - so I couldn't understand what they were saying when I asked for an explanation. I would like to have the late fee removed and the 2 interest charges removed.

dear sir

i was the credit card holder of capital one in 2020 which was closed in December 2020.

by mistake send payments to the closed account. by reference # [protected] security account.

1. payment of $200. on 7th, Septembet.2021.

2.payment of $100. on 28th, Febuary.2022.

3. payment of $300. on 15th, September.2022.

all payments are made through cibc bank account # [protected]

payments made by bank reference numbers is as under

1. 273102 dated 7th, september.2021

2. 127782 dated 28th , febuary.2022

3. 116685 dated 15th, september.2022

please look into the closed account and refund the @ $600. to

Hussain Riaz

1557 Harwood Drive

Milton. ON . L9T 5K1

Phone # [protected]

Sunday September 18th 2022 Mary J Blidge concert at the Capitol Arena was an disappointment overall. First I would like to say it was suppose to start at 7p. Doors wasn’t opened to enter on time. We were able to get to our seats after 745p. Show just started with the Artist Queen Nija which I love her songs but wasn’t the actual sound I wanted to here. Second NO ELLA MAI performance was a disappointment because that’s why I bought the tickets to see including Mary. Disappointing to me the sound and the no show Ella Mai. Third Mary I love her Omg 😳 Sound given horrible and the performance she gave was exhausting to see and see her exhausted “lip singing” sound wasn’t great at all and the multiple 15-20 breaks without her singing just a screen playing “unexceptional”. Watching the stage get prepared was the show. Never again will I purchase Capitol One Concert Tickets. This show was an surprise for my fiancé soon to be wife and I was embarrassed to continue the show. Couldn’t swallow the $600 pay.

Greetings, I hope you are well.

For the past two years, I have been building my credit.

In the past I have had late payments (had to buy medication for a sick child))with Capital One. I have written letters and called many times to get a goodwill letter to remove the late payments from 2017 April-August and January 2018. I have not been successful. I have not had any late payments since 2018 and would like to have the late payments removed from my credit report.

9-18-22

Talked to representative about reversing late fee, then talked to a manager.

We paid account off in full and they assessed a late fee because it was posted after 7:00 central time. I thought the cut-off time would be midnight, but it's not. Both people I talked to were not sympathetic and not helpful.

I've written off using Capital One for anything in the future.

In Nov @021 my son needed a vehicle due to mechanical failure of his existing. We Went to a dealership to find a dependable ride. He picked out a 2017 Jeep Renegade for just under 17.000 when every thing was done the amount that Capital One said ewe financed was over 22,000. where did this come from and why to you treat real hard working people dis tastefully. Any way my son got into trouble in May and lost his license, i was the co-signer and have paid around 5000 on the loan through August 2022. of Which only 1400 was applied to the loan the rest was marked as interest, Well we voluntarily returned the Jeep. Signed all the paperwork to turn it in at the same place we bought it. Now a week later i get a call from Capital one telling me the jeep was towed. and that my credit will be affected with a repo. DUH, I knew that when i started the process two weeks ago when I called Capital One to request how to return it.

Capital One is just another example of how corrupt banks are and hoe illegal business has become in America. you are nothing but a thief and satan filled liars.

I had a lien placed on my checking account for taxes I owed the state of Virgina. (They had an address I hadn't used in 15 years on record and I was unaware)

No worries, I contacted the Va Department of Taxation and agreed to pay $1500 towards $7000 in arrears and entered into an installment plan for the balance. They agreed to release the lien on my Capital One checking account and accepted the payment plan. Virginia faxed Cap One with the details (twice) and I thought this was laid to rest. Unfortunately, Capital One screwed up and sent the entire balance of my checking account- leaving me with no money. When I contacted Capital One I was informed that there was nothing that they could do, and my auto-pays are being declined left and right. Live and learn, I suppose.