Capital One

I had gone through and 'graduated' with freedom debt relief. The very first card to offer credit was that of Capital one.. but I was having to fund $99 in order to get this card.. they allowed $200 credit.. woopdee doo right? okay well start from the bottom and build and prove my credibility.. since then I have gotten 6 other credit cards.. 5 times the credit allowance.. not at any time did I or have I defaulted, or have I been late.. in fact I'd pay off my card, and upon use, would pay more than the miniums.. I have at least 3 times requested a credit line increase.. via online after logging in twice.. by email, by chat.. but at no time have I ever had a decision or response. I dont understand this.. I paid 50% of the allowance of credit to begin with.. this remains the absolute losest line of credit out of all my creditors.. and nobody is replying.. what is the issue here? why is capital one.. having acquired this creditor in Sept of 2020 not helping me with increasing my credit line or more importantly even responding to my repeated requests for an increase.. what is the major malfunction.. I am writing because I find no excusable reason for this

I have been a customer of Capital One since 2000. Always paid my balance in full each month.

In April I needed to have dental work done. I used my card. My bank usually does a electronic transfer. However my balance was $10.834.05, so my bank sent a check on May 22 and delivered on May 27. My due date was May 28.

Capital One did not post my payment until May 30. When I spoke to an agent. They reversed the late fee of $25. I was told by that agent that any interest I was charged would be reversed also. Upon checking my account today I am now being charge interest in the amount of $72.10.

I spoke to 2 agents today and both said they could only refund $50 which is company policy. I told them it was not my fault that they took so long to post my payment from my bank. I was told by the very first agent that checks coming in that are mailed in a plain white envelope aren't opened for a few days. That is not my fault. So therefore I am going to have to pay $22.10 in interest charges. This is wrong in so many ways!

I pay my bill every month, in full. I received a new card recently, due to fraud. My new card was activated; it was used several times. Then I went to a local store and it was declined. Reason: Inactive card. I returned home, called your support groups, and was told the card was inactive at the time of the purchase, but that the was active now (20 minutes'ish later). I'm calling BS on that because it was used yesterday with no issue. I spoke with a representative, and her supervisor. Neither appeared to care. I'm sure it's recorded on your system if you'd like to review. I'd recommend reviewing the call, if valid that it was actually recorded.

Why should you care? I'm a customer, for now at least. This is my primary question.

My secondary question is, "what are the rules?". I'd like to understand. Please enlighten me.

One unhappy customer.

I got the card assuming the membership fee would be added at the end of the year.

I need that money returned to me as COVID has taken a toll on my income which is a small ss payment and lots of doctor appointments with medicine.

I set up a payment at the end of June in hopes some will return my money,I cancelled the card immediately when I saw the fee.

I have paid off my loan, and have tried since 3/14/2022 to get the proper release paperwork for for my motorcycle title. I cant sell the motorcycle without a clear title. Why is so difficult to get my motorcycle title release? Your company should send it automatically. I have paid my loan, and I have a zero balance. I have been patient to this point, but now its frustrating. I have been told it would be mailed to me in 4-6 weeks, that it had been mailed, and the next call, I was told I had to send a request by fax or mail. I did that, still no title release. I believe the law in my state says you are required to produce a lein release within 30 days after debt is paid. My debt was paid 3/17/2022. Thank You signed, Joe P. Griffin

I have contacted, prior to their shipping an order, not to proceed and that I would dispute any charge made to my CC. They have ignored all my contacts and then not only shipped the product I cancelled but have sent another one. I will contact the Federal Trade Commission about this problem if it is not resolved and i will not pay for the additonal shipment nor any in the future from them.

This charge is from Healthy Directions or as Dr. Sinatra

The last contact on May 18, they sent me was to say they would not send more but I received a shipment from them YESTERDAY and was charged that day.

Plus, I find it very difficult to file a dispute with your card as there are hoops to go thru in order to do so. Very frustrating. I will be paying off this card as soon as possible.

Leatress & Buddy Rogers

2807 NE Scottsdale Circle

Lawton, Ok 73507 [protected]@aol.com

580.585.1874

My wife and I got a home equity line of credit in 2004 through Hibernia bank that was later sold to capital one. the loan was paid off in 2008. Trying to sell my home now and, title company says that capital one has never filed the paperwork for a release of lean. Capital one will not help you over the phone, was told to send proof of payoff to an address in Eagen MN Info sent twice with no response.

Calls made to Capitol One daily with no one that is willing to help.

Home is sitting waiting on C1 to send me a simple piece of paper, all while I am paying 1k per month for taxes and insurance. Any help would be much appreciated,

I opened account with Capital One banking online. It won't take phone number I used when I first signed up so can't get in my account. I've tried for two weeks or more trying to setup direct deposit. I get someone online for ID verification they send link to submit copy of ID but it says can't find application. Instead of link I don't understand why they can't just receive it thru email attachment or something since link not working. Can someone please help. Thank you C Anderson

Had card for years. Always paid in FULL each month with no balance. Never read or had to the terms etc. because I always paid. 5/2022 Wanted to send son in LA birthday present. Walmart said my card on file was rejected. I called capital in the phillipines and could not understand a word. Finally got the girl to say my card was OK. Still could not use. Never had this before. I called capital again and got cut off. I called again today 5/23/22 and got ESfn in US. I saw the mailman pickup this check, but Capital said never got it. They put an investigation on it. Then cut off again. So it got lost from the post office to capital billing. I always saw all my other companies I do business with at least carry over the amount on at least one more bill to let you know what happend. Not Capital. They never even checked to see that I always paid in full and that this never happened before and I did not know about it. I am furrious. I have always used capital without even thinking. I want to put an extra $1000.00 dollars in there as a buffer encase this happens again. Can I do that? Diana Warren, Apopka, Fl

keep asking for my license info and i have sent it to them many many

times. each time they say they can not read it. they refuse to refund

my money

Capital One credit cards does NOT list balance transfer date information on their statements. They only list the balance transfer amounts, not when the promotional rate period ends.

This is devious. It makes very easy for conscientious users of balance transfers to miss paying off during the promo period.

Other cards, such as Wells Fargo, Discover, and Chase list the exact date the promo balance transfer period ends on the statements.

Capital One users need to call customer service to get this information. Moreover, this customer service department is not available on the weekends.

Not sure hope Capital One can get away with this.

To Whom it May Concern,

Today Friday May 20, 2022 on or about 8:30 pm PST UNITED STATES OF AMERICA 97504.I I accepted an offer from Capital One in February 2022, because it advertised zero percent until a certain month and year. It also advertised a certain percentage back on all purchases. Needless to say I have been charged and I have already recieved two statements. I would not have accepted this offer if it was not for the”advertised statemenrs rates.” I pay my balances on time and have done so since accepting this offer of zero present APR and one Andy’s half percent on all purchases. Please address this issue and explain how the charges are going to match the offer I agreed to because I did not agree to being over charged. This is [censored].

Thank you for your immediate attention in this matter

Respectfully,

About to not be a Capital One customer any longer

[protected]@icloud.com

I have a balance due on my auto loan of $16,300 approx. I called to ask if I could pay $16k and pay off the loan because there was a section to enter Discounts for pay off online. I was told by the rep I spoke to that the only people eligible for discounts are those that file for backrupcy or who haven't made a payment in greater than 100 days. I'm DISGUSTED that the people that don't make payments get discounts from this company but loyal customers who have made every payment on time get NOTHING. Please call me back asap and resolve this. [protected]

Almost a year ago, the security of my online savings account was compromised. On June 7, 2021, within a matter of minutes, a checking account was opened by unknown persons funded with money that was transferred from my savings account. Luckily, I noticed the breach before the fraudsters were able to Zelle the money out of the newly established account. A Capital One agent promptly closed the checking account and returned the money to my savings account. This is where the competence of Capital One ended.

I reached out to Capital One numerous times within the months following this incident to ensure that my accounts were secure. I had just sold my house and had proceeds from the sale that I needed to deposit. I was assured that my accounts were secured. I deposited the money and proceeded to make deposits and transfer money in and out of this account for the next 11 months.

Yesterday, I attempted to wire funds to a title company for a home purchase and guess what? It didn’t work. After spending roughly 3 hours with 4 different agents during 3 separate phone calls on 2 different days, I was informed that all of my accounts had been restricted and Capital One would need 3-5 business days for “remediation” and to create new accounts prior to my funds being available to me. In short, a year after a fraud attempt, they had decided to protect my funds…from me!

Capital One’s failure to follow their own standard practices (which they sent me in an email today) in a timely manner put the purchase of my home at risk. If the sellers decide not to accept a week long extension for closing, the contract will be null and void. Any money I put into the transaction will be lost and I will be left scrambling to find housing for my family with less than a month left on our lease. Capital One’s actions are no longer protecting me, they are hurting me.

Cap-1 makes no pretense at providing even minimal service levels & has zero interest in improving. No matter the issue it is basically a waste of time to call cap-1 & they have eliminated all email contact options. Only phone & written options exist & written contacts generally receive no reply. Cap-1 phone reps are poorly trained & have little-to-no factual operational knowledge. We have almost $1 mil on deposit & 1/2 million in venture credit card travel credits but are unable to access the travel credits because the website "transfer" option to airline partners is not working & has not worked for weeks. Cap-1 phone reps are polite but absolutely clueless about providing an option. They simply admit that they have no knowledge of how to correct the problem since it is tied to venture travel rewards & they cannot even access that part of the system nor do they have "any" idea when the issue will be fixed. As a result this is yet another issue with cap-1 that is a total dead-end in terms of help. Who knows "if or when" the website will be functional again & cap-1 seems totally unconcerned about the issue. Horrendous service.

There are two Capital One charges of $200.00 in my bank account on May 9 that I did NOT authorize and I want them removed ASAP! My name is Carole Losson and I did not give you permission to deduct these two charges.

My issue with Cap1 online banking is as follows...They do holds on purchases but they keep NOT posting the current balance after a hold amount is deducted. Then the transaction is kept pending for up to 7 days then the purchase amount comes out of the available balance again and the hold amount with no updated posted current balance disappears. They have double charged for purchases about 3 times and I have advised CAP1 if it continues I will transfer my direct deposit pension to a new bank.

I purchased some items in the last quarter of 2021. Since the account is listed in my online checking account payment screen I sent a payment even though I did not recieve a statement. The next month I did not recieve a statement but guessed at the balance remaining and sent a payment in November. Again I received no statement and since my purchase was small assumed that I probably over paid. Not so... in February I finally recieved a statement and to my horror I was short $3, listing my account as delinquient! Immediately sent $20 payment, more than I owed. I called Capital One and the very nice representative without hesitation removed all late fees. I assumed that all was fine. To MY shock later that month I noticed my credit rating had drastically fallen all due to Capital One reporting January as delinquient to all credit bureaus. $3 late My credit is impeccable. I have ZERO late payments on ALL my accounts for 7 years! For those unaware 35% of your rating is based on this criteria. My credit score fell from 820-830 to 750 all because of Capital One! Capital One DOES NOT allow a customer to actually speak to anyone within that department. Everything must be mailed to Salt Lake City. A person has no recourse but to follow the rules, write the letter and then accept a pathetic letter that states it will not remove the negative note. I am beyond livid. The fact that Capital One does not have a person in charge to speak to is completely unacceptable. I have sent 2 more follow up letters with zero response. I can not begin to express the disgust I have for this poorly run company. My payment record speaks for itself- ZERO delinquient accounts for well over 7 years. A seldom if ever use the Saks Fifth Off credit card, stupid me because of that I did not set up online statements. Let that be a lesson to all. But bottom line I will never shop at Saks Fifth Off ever again. I will never use any Caital One card! Still waiting for the $17 over payment from February, its been 3 months. For $3 this compnay has RUINED my credit!

5/3/2022 (Date of occurrence)

I have a lot of my bills charged to my credit card. I recently made a payment to Jpay using my credit card and was charged $10 for a $45 transaction. I did not realize making this payment using my credit card would be considered a cash advance and cause me to be charged this ridiculous fee. I called Capital One and spoke with a supervisor and she said she could not reverse it. I have been a customer using Capital One cards for some time now and I was extremely disappointed that a one-time courtesy waiver was not allowed. I have a car loan with you and a savings account which I intend to switch to another company because of this lack of customer service. Once I receive my new card I will cancel yours, and work on refinancing my auto loan.

I have had this Capital One card for about two years now and have had nothing but trouble with it since. I am still waiting for a card to show up, payment is do on the account after I sent in $400.00 that should have left only $100-$150 to pay and I get online to check it out finding it's over what I actually would ever come close to using. I have talked to someone, I have called, even emailed into the company and nothing has happen yet.