United States - VA23238
The United Kingdom
P.O. Box 5283, Nottingham, NG2 9HD
P.O. Box 1000, Camberley, GU15 3ZQ
For the past two months Capital One has NOT sent us a billing statement on our credit cards...we've had these cards for several years and have never been late last month I caught it and paid by phone this month it got past me..and I didnt realize I had'nt paid until it was late...I don't know what's going on...I'm asking them to remove any negative statements from my accts if they don't I can live with out their Credit cards...anybody else experiencing this... not recieving your statements? Thanks
The protection play from capital, made two unauthorized charges on my credit card. I pay 10 dollars a month for that plan, and when I lost my job on 2009 then help me pay the penments till I got a new job it was arount 300 dollars but when I started pay my account again the charge me every single panny yhe had put on my account.
I have received numerous calls from Capital One Auto Finance since June, 2010 (I'm writing this August 4, 2010). They call my home beginning around 8:00 a.m. until late in the evening. They are looking for a person who I've never heard of and who does not live at my home. This person has the same last name as I do, which is a very common last name as common as Smith or Jones. I've told them several times that the person they are looking for does not live here so take my phone number off of their list. Of course, they continue to call! I've never had an account with Capital One or Capital One Auto Finance (and I never will)! What's ridiculous is that they're never going to get a dime from the person they're looking for because they're not calling him, they're calling me and they're certainly not going to get a dime from me!! I'm taking photos of the calls as they come in and recording all of their messages so that when I have enough to prove harrassment, I'll turn all the info over to an Attorney. Keep the calls coming Capital One Auto Finance!!
I received a "congratulations for coming out of bankruptcy" offer from Capital One in the mail. Pre-approved, no fees, etc. I had not applied for any kind of credit card in 5 years, and thought, ok maybe this is a good time to get one and begin to establish payment history again. The day I activated the card I was told I had $300 for credit and/or cash - both of which were available immediately. I went to a movie and charged $16.o0. The next day I was making a purchase for which they'd only accept cash (ok...a new kitten), when I tried withdrawing $125.00 from the card, I was denied several times. So I called and was told that the card was suspended due to potential fradulent activity. How so? I used it once for a whopping $16.oo charge. Well...you're trying to withdraw cash and that's a red flag. It would've been nice if someone had told me that. So now in order to get the suspension removed, they want my driver's license, pay stubs, bank statement, proof of residence (copy of a bill). I told them this felt a lot like a scam - they give me a card w/o any proof of income, etc., and suspend it right after the first charge then demand all this information so they can turn around and screw me. The woman I talked to was a total ###. I told her that I'd just paid the balance - which included an annual fee that I was not supposed to be charged - if I was a fraud, why would I pay it? It's all explained in the letter, she said. What letter? I never received a letter. Oh, I'll fax it to you - so she put me on hold for 5 minutes and then said it'd be faxed in 5 business days (what a joke). So, I said, what if I choose not to send you this "proof" you want? We'll close your account. Meaning, I now have a negative mark on a credit report I am trying to fix. Extortion? This is so so so very wrong. The entire credit industry is a massive fraud - how can three frickin agencies who know nothing about a person collect random data used to slap a number on you that then determines if you can buy a house, or a car, or get a job., or what rate you'll pay for insurance (gotta love that - you are not extending me credit, and yet you use my credit to determine my rates). And god forbid if you try to correct any of the "data" they have on you. It is criminal and I wonder if anyone will ever put a stop to it. I'm going back to my cash existence.
Capital One auto has ruined my credit!!! I have tried tooth and nail to protect my credit to the best of my ability with all my accounts. As of now I have not been late with anything for over 7 years, so I have relatively good credit. I refinanced my loan with Capital One Auto in early 2008; I went a few days past my due date.
I called Capital One and they wanted to charge me a convenience fee of $15 for paying over the phone. I opted out and decided to go online because the represented told it was free of charge. I went through this entire process to get registered into the online system and sent my payment online. It comes to my attention the next month invoice shows I owe 2 months. I immediately called Capital One to resolve this misunderstanding. Apparently the information I put into the system was incorrect therefore the payment never went through and now I am late 30 Days. I spoke with supervisor and several other representatives they all pretty much gave me the same spiel that it was not a bank error. This was 2 years ago; I have tried diligently to dispute this item with the bureaus but to no avail. Capital One insist the item was correct and they I am 30 days late.
About 2 years later they come up with another late!!! Ok I have to admit for the last year I have fallen behind on my payments but I have never exceeded more than 30days, because at this point my credit would not be affected. I applied for forbearance for my July's payment, which I sent in mid July. They have confirmation of receiving it their form plus the $35 Dollar processing fee, but the application is apparently is still pending. I got a texted on August 2, 2010 please call Capital One, so I immediately did. The representative said that my request was still pending and I am now late 32 Days!!! I was irate to say the least and she said I will have my manager call you tomorrow. I called back and got the run around... Finally, a supervisor called me back and apparently the forbearance is curtsey and the fact remains that I am effectively 32 Days late... Well I still process your forbearance but I can not remove the 30 Day late on your credit because it is not a bank failure!!!
I think this company is full of! $%&^ and they are ###. I feel they purposely ruined my credit so that I remain their client. Preventing me from seeking credit elsewhere!!!
Capital One needs help training their customer service representatives! My husband and I are consolidating credit card accounts. We each elected to close one personal credit card each. I chose my Capital One card because it has the highest interest rate although it is my most seasoned account; mainly because they refused to lower the rate to beat the other two cards I currently hold. Upon paying off the entire balance and calling to request the account be closed, I was given quite the sales pitch about this being a bad idea. The kid basically gave me a lecture on banking. I interrupted him, nicely, to let him know the decision had already been made and I already understood the principles of closing seasoned accounts and still wanted to close this account. He then rattled off the policies about closing accounts and hung up on me. After being a card holder for 8 years and always paying each bill on time, I still got the boot in the butt on the way out the door. What's in my wallet? A credit card from the nice folks at my local Credit Union. Screw Capital One.
I do mostly online banking for bill payment. on 07/13/2010 I posted 4 bills . I got the confirmation as i always
get. but next bill I was surprised to see the late fee on those bill that I sent . I rushed to my bank to solve the issue.
they couldn't help me...just apologized ...that's all..
I think this free checking bank it crap... I should take my business elsewhere...
I have gotten a lot of spam e-mail in my life, and I understand this is part of having e-mail. But it seems that Orchard Bank Credit Card has found a way to send e-mails from a ton of different servers, so no matter how many you "unsuscribe" from they just keep coming!!! I personally have "unsuscribed" approximately 5 times, and I just got two more today! It's driving me insane because I want to find the person to yell at but it's such a large company I don't even know where to start! Can I add that this is credit card spam and I am in the middle of a bankruptcy.
I took out a $20, 000 loan from capital one and had the brand new vehicle for two months. I had too go to...
I, ve benn a customer of Capital one since 2004 and have not missed a payment in 22 months but the problem that I have with Capital one Auto Finance is that my due date is on the 1st of the month but my payment had changed for 3rd of the month and Capital One Auto finance will not change my due date and they have ran up all the fees and keep giving harrasing phone calls and the treat of reposes the car and all they have to do is change the due date. So why would Capital One Auto Finance cause all these problems when they have a customer that has paid for 22 months without missing a payment.This is a bad business pratice and I will tell every-ne not to do business with them because they are not fair!!
After having a Capital One Card for years, I paid it off completely in March, 2010. After just several small...
I have not received an invoice from Capital One since I have been in Credit Solutions. Since it is a holiday I will be contacting them Tuesday or when I return from my reunion. ou have filed a suit and I would like this settled out of court. I have NEVER had a credit card that you sent a picture of with a cat, tiger or whatever it is. I have lost my husband (no life insurance) son in AACDC awaiting transfter to drug rehab, was laid off form my job on 5-28 after 17 years because of the dealth of a partner (MD office) and would like to get this settled. Do not want to go to court as I have been through more than enough in last couple years.
paid my car loan off April 2, 2010. Today is May 15, 2010. I have yet to receive my title. I need to sell my car and can't. I lost buyers twice because I can't deliver the title...
Ironically, while they are permitted to cause financial harm, fees piling up, and report credit delinquencies, or even take away cars that have not been paid on time... I have no recourse available to me immediately.
loss of $ 4500, because I was unable to sell the car, due to the missing title sign off.
Does anyone have a word or two of advice?
We got approved all paper work is signed and turned in because of a address conflict we had to resubmit paper work with our military address and now they denied it cause we will be living on post mind you my husband is military is this legal??? I am at my witts end with these people and they cant seem to give me a honest answer why we were denied I have had enough... I am trying to find out if this is legal for them to do once the paper work was done we made our down payment and everything went through can the y go back on something like this... I though once it was done and you signed everything then that was it
I have read about Capitol One's Credit card customer complaints and they all have the same problem with them as I do.
It 's nearly impossible to get out from under their contract "this is a warning to anyone "this is their general practice" and you also will have your credit messed up due to they will immediately turn your name into the BBB if they cannot continue to get your money...I asked..I begged them over the phone to tell me the sum and it would be mailed and was promised to be let off their hook...I sent $224.00 to end the nightmare..still received a bill, again..called them, they informed me that Interest had incurred while the 3 days evolved before they received the money order and I owed them $3.36 cents...I told them I was going to send them $20.00 to cover interest once again and to keep the change...By the way, has anyone that got screwed over by this company noticed that they hire people that have a middle eastern voice that it's nearly impossible to translate what they are saying?
Jibber-Jabber..double talk at it's best...Nothing against those people but this is america and they should at least have people that can relate-convey messages which is called customer service... you actually leave the phone thinking" that was a worthless call..also knowing Capitol one hand picks those people therefore it's the customers fault for not understanding Omar..
I'm 61.. 100% disabled Viet nam vet ..Capitol One is something the hard working American needs rid of ..we work -fight hard for our money..this is like taking from my kids and Capitol one or any company with their practices should be shut down..especilly with tens of thousands of valid simular complaints as I have grown to know.
They have nerve to screw up your credit through the BBB, I am finished paying them...I never used the card but paid the monthly bill required, It was to help me get a better credit standing but turned around to bite me...They are proof positive that they care less about a persons credit..they also know it's not the customers fault...they will eventually be investigated ...I will not give up until everyone concerned has heard this story..they cost me over $550.00 and a bad credit rating so therefore they will be exposed to every source that I can summons and contact...I know the County Att. personally, this will get the ball rolling on these people..RB
I had joined a health club (melaleuca) which is another story I posted on here a while, ...ppsssttttt stay away from that one as well. Anyway I told Capital One I didn't want melaleuca chaging my account. Capital One said they couldn't stop it. They advised me to cancel the credit card and get issued a new card and number and that would prevent any further transactions from Melaeuca. Four weeks later a charge showed on my card and Capital One had authorized a chargwe from Melalauca on my account. CAPITAL ONE ALLOWED THIS, ..WHY!?
I talked to four diffrent repersentives who either had no clue or couldn't give ma solid answer. So for Capital Ones lack of incompetence I have paid the bill in full and canceled the account. I have opened a new account with another credit company.
Til' the day I die I will always warn others of Capital One's lack of customer service and finacial security to its account holders.
I fell victim to a fraud/scam using my capitol one card in the amount of over $15, 000.00. Part of the scam...
I paid my car loan off April 2, 2010. Today is May 15, 2010. I have yet to receive my title. I need to sell my car and can't. I lost buyers twice because I can't deliver the title...
Ironically, while they are permitted to cause financial harm to consumers, fees piling up, interest rates raised and other fees extorted, and reporting credit delinquencies, or even take away cars that have not been paid on time... I have no recourse available to me immediately. I can sue, and so help me the world and God, I will!
I extended a loss of $ 4500, because I was unable to sell the car, due to the missing title sign off.
I entered into a car loan with Capitol One about 3 years ago... since that time, my income has dropped to 30 percent of what it was when I bought the car. I kept up with my payments up until a few months ago, when I tried to refinance, and the refinancing was denied by other companies because Capitol One had reported my payments late, twice, when I had never been late. Since the time that the refinancing was denied, I fell behind a few months, but I called Capital One, and I was on the phone with them for about 2 hours, extending my loan, and the guy I spoke with told me that my account, from now on, would be reported paid, up-to-date, if only I would enroll my bank account and routing number for automatic bank drafts. Well, they've been drafting my payments, all right-- but they haven't reported any of my payments and have on file, ON MY CREDIT REPORT, they say that I haven't made payments, at ALL, in months. How do I stop these drafts?? Change my bank account?? It seems like now I am powerless over my credit, my money, and what I want to do with the car. I am totally over trying to make the payments, since my credit is going to *** (due to Capital One's faulty reporting) --- I am thisclose to dropping the car off to them and saying screw it. The damage has already been done. Ugh. Not to mention that, whenever I call them, I can't speak to a supervisor who can answer any questions.
This seems completely unprofessional...
Capital One processes transactions in a way to collect more NSF fees. Yesterday afternoon I checked my balance at 4 PM and had $205 balance. I made two transactions around 5:30 PM--one for appr. $27 and one for appr. $56. I checked my balance afterwards and the new balance reflected the latest transactions, around $122.00. At or around midnight that night a direct deposit of over $1000 went in. The next morning I checked my account and it showed NSF fees for the two transactions from the day before (even though my account was actually positive due to the direct deposit), and showed two checks posting beforehand in the amounts of $90.00 and $124.00 (which had not been there the evening before). I don't understand how they are able to go back and change the order of the transactions after the banks have closed. When I cash a check it post to my account immediately and the new balance is reflected online. However, these two checks were processed later, but adjusted so that my account was overdrawn before the smaller transactions, resulting in 3 NSF charges of $35 each when, if posted in their accurate order, I would have only been assessed one NSF charge of $35.00. Isn't this illegal?? I called customer service and she tried telling me that the checks are some times processed later depending on the time the check is received. Wouldn't this verify that they fraudulently arranged the order of transactions to collect more NSF fees?