United States - VA23238
The United Kingdom
P.O. Box 5283, Nottingham, NG2 9HD
P.O. Box 1000, Camberley, GU15 3ZQ
On February 17, 2009, I contavted Capital one Bank to have my membership waived .I was asked to pay and that I have a late fee added to my membership.
I mentiooned them that i did not activate my credit card because I refuse to pay .
I ask him that in this case I am closing my credit card account.
The gentleman insisted that I have to pay anyway. I mentionned that they were advertising ther product with no fee.
On March I receive a statment showing that my membership was waived but I 've to pay the late fee.
I don't understand why I've to pay late fee for a waived membership.
I do not know where to turn for help specially after receiving a statment showing that I have to pay $15.00 more for late fee.
The total amount now is $30.47 ( $15.00 for the late fee for my waived membership+$15.00 for late fee for the first non payed late fee.
I will appreciate your help for this matter .
credt card account # ####
While my husband lay dying, Capital One took 2 payments rather than 1 out of my account and would not return it... they caused my account to be 600.00 over drawn!!!
And the day of the funeral they hounded me for money after I said he was DEAD and it was the day of the funeral... I would talk to them the next day... NO they just kept hounding me in front of my family. I finally hung up on them. They are relentless on their calling and I have had a loan with them for almost 5 years!!!
Do not ever do a payment over the phone.. they will get it wrong
And after making arrangements, I had a funeral back in the state we are from originally and they did it that day as well!!! in front of relatives again... I was appalled at thier treatment of a customer they are making thousands of dollars off of at a time like that
Infurated in Tempe
Capital One claims to not apply any fees to currency conversion when using their credit card for...
My Son Vincent Anthony Martone has a credit card with Capital One.
> Vincent joined the Marines to serve his country on January 20th, and
> since that time has been at the US Marine Corp. Training Center at
> Paris Island South Carolina. During the time that a recruit is in
> training with the Marines, he does not have access to his mail,
> checking accounts...nor does he have the ability to pay his bills.
> Before He left for Paris Island he mailed out a Government form that
> informed your company that it is illegal to charge late fees and
> interest to recruits while they are in boot camp and that his account
> should be frozen until he had completed his training. Since then Capital One
> added over $250 in Interest and late charges to my sons account,
> and sent him to collection. We tried to communicate and explain to
> the customer services representative ( now that is real joke,
> because these people do not have the slightest idea of what customer
> service is all about), to no avail. I was just on the phone with the
> so called customer service department, and after being bounced around
> like a ping pong ball for 30 minutes I asked to speak to a supervisor.
> I offered on a number of occasions to pay my son's balance as it stood
> at the end of January before all the late fees and interest charges were tacked on, and he informed me that he could not approve that.
> He indicated I would have to pay the full amount, and had the nerve to
> lecture me that my son had a responsibility to pay his bills on time.
> I informed him once again that my son could not pay his bill that he
> was in a Marine Corps Boot Camp and had no access to the outside world
> until he graduated, and that what Capital One was doing was illegal.
> I asked him if he was ashamed of taking advantage of a 19 year old,
> who had decided to serve his country. And his answer to me was, and I quote:
> " I really don't care, you are talking to Capital One's service area
> in Canada, he's not serving my country"
This company should be put out of business.
NEVER get the Capital One Payment Protection Plan. Although they take money out of your credit card each...
Capital One is so out of control they are truly becoming comic! First they called at 9:53pm (a major no-no), then they call like every 30 minutes and fail to leave voice mail messages. I email them after every call they make and they fail to respond to any of my attempts to contact them. I have filed a complaint with the FTC against them (I somehow doubt that I am alone here).
Interested to know if there is anything that I/we can do to harass them like they harass us!
As with many other people (as can be seen on this website and others), I too received a mailing, very generic...
Received several calls regarding a bill in my son's name notified Capital One Bank that there is an error. I have called Bank One many, many, many times and told them My son is a minor (no credit cards in his name). Advised me they had made the necessary corrections, recived notification from GLOBAL Credit Collection Corp, that Capital One has turned the account over to them for collection. Notified Global but of course they are not interested in correcting the matter.
I have contacted the Credit Agencies (3) of fraud.
While vacationing in Turkey I bought a carpet from Gordes Carpet. Purchased a cashmere on wool carpet. Used my Capital One charge card to pay for carpet. Carpet was switched in store by merchant and a different carpet was deliberatelly wrapped and given to me to take home. When going thru security in Munich, Germany I realized the carpet was switched because I had to show what was in the package. I notified Captial One on 27 October 2008. Gordes Carpet put thru two charges. I informed Captial One of the switch and the scam and told them not to honor the first nor the second charge. I was told nothing could be done for three more days and to call back. Of course on day three I called and was put on hold several times. I called back two days later and told my complaint would be put thru dlispute resolution. I questioned how they could evern honor the second charge when I was home in the United States when the second charge was put thru? I was told they could do nothing. I would have to take the carpet back. That was impossible and I would not chance sending the carpet thru the mail in case Gordes would lie and say the carpet was not received. During the dispute phase Gordes lied saying I changed my mind, the carpet was wrapped in front of me and that I had the carpet I wanted in the store. I was convinced that Capital One was more concerned for the merchant and didn't care if a scam was being committed. Capital One does not represent their customers. When ever I was able to talk to the dispute department I always spoke to someone from India who I could not understand and they didn't have a clue as to what my complaint was about. One even suggested I fly back to Turkey to return the carpet. Another suggested getting a second opinion for another carpet dealer which I did. The appraisor confirmed this was not a cashmere on wool carpet. It didn't matter Capital One honored the fraud on behalf of Gordes. Never use Capital One, nerver buy anything from Gordes Carpet and run in the opposite direction if a quide called Oz, a representative from Lewis cruise line wants to show you were to buy carpets. You will be cheated!!!
I was with Hibernia National Bank for 8 years before they sold out to Capital One.
WHAT A NIGHTMARE.
In my eight years before, through times with up to a million dollars or more on deposit down to below $200 I almost never had customer service problems. If I did, the problems were quickly and efficiently taken care of.
Now, I routinely have "Transaction Returned" listed on my online statement with no explanation as to the transaction at all. No amount, no check number, no nothing. When I submitted an online inquiry, I was told that they didn't know what the transaction was. When I inquired further, I was directed to call my local branch. The number they provided to do that went to someone's home phone. The service is so bad it borders on unbelievable.
Once I finish this quarter of business, I will find somewhere else to bank. They took a great mid-size local bank from a 9 - 10 customer service rating to a 2 or less.
this credit card company does not want to help. I have not used my card in four months. They raised my limit...
I took out a loan on a new 2007 Ford Focus and borrowed around $15, 000. Never late on a payment and the rate was reasonable. After a year I decided it was time to reduce my debt load and tried to pay off the loan. Tried being the operative word here. Called Capital One for the payoff and was told on 3 separate occaisons the payoff was $11.723.90. Went to my bank, sent Capital One a cashiers check for $11, 723.90 which was processed on 2/23/09 one day BEFORE the date Capital One said the payoff amount was good through. But NOOOOO! Now there is a mystery $50.52 in "additional principal" due. I had to use Western Union for an additional $13.95 to send in the additional $50.52 to "satisfy" the already paid off loan. The buyer of the vehicle is waiting for his lien release having paid cash for the vehicle. Capital One says it will take them another 72 hours to produce a lien release, even though they KNOW the loan has been satisfied.
Take it from someone who KNOWS. Captial One's auto finance rates look attractive to you. Think again. I will NEVER borrow from Capital One again. Ever. Whats in YOUR wallet? It ain't in mine.
My wife had 2 HSBC Orchard Bank credit cards designed with building our credit in mind. However, they have completely lost our business! My wife called the customer service number (which is an offshore outsourced call center) toward the end of January to switch our bank accounts. She also mentioned something about how she was going to make a payment online when she was able to. However, the agent took her comment and decided it would be a good idea to just debit our card instead of waiting for my wife to do it. Well, my wife made our online payment on 2/9/2009 and the call center also debited our card the next day. So there were two amounts of $414.37 taken out of our bank. My wife and I have a one year old baby and are both going to school. I am the only one who works and she stays at the apartment with our baby. We have very little money as it is and the double dip from Orchard bank made us overdraft severely in our bank. So the 2nd payment bounced from our bank and of course we were charged a $35 fee. Well, since that payment bounced, they went ahead and tried to debit it a 3rd time on 2/17/2009. This time we had 6 purchases that weren't paid and generated $210 worth of overdraft fees because of their incompetence. Our bank was great and said that as long as HSBC Orchard Bank will send them a document stating that they withdrew an unauthorized payment they would refund the fees. We spent 2 hours on the phone with Orchard Bank and they would not send the letter and would not admit fault. They stated that my wife on 1/31/2009 authorized the payment and that all calls are recorded but they are not able to listen to the calls because they are only for training purposes and not for their accountability. I told him that I was there on 1/31/2009 and heard my wife state that she was going to make an online payment instead and if he could provide a call proving otherwise I will leave them alone and not speak of it again. He again repeated that the calls are only used for training purposes and they could not pull a call. Orchard Bank has effectively stolen close to $700 directly from our bank account now and still does not show her full balance on my wife's credit card statement. Where did that money go? Also, as an aside, if my wife authorized a phone payment why would she go and make an online payment? Also, if the calls are recorded, why can't their own supervisors and managers listen to them? I've worked in call centers for 10 years and have been a supervisor in two of them. I pulled calls when there were discrepancies like this. I know they can do it. Why won't they? Also, how much competence is that on the side of the accountants for the company not to recognize that we had already made a payment? Do not! Do not! Do not be suckered by HSBC or Orchard Bank. They are crooks and their customer service is the worst!!!
Just received in the mail a notice that my credit card interest rate is being raised to 29.4% and I am never late on my payments. This is criminal that these Banks/Credit Card companies can do this to their good customers after they received Government Bailout Funds from the Taxpayers of America. I plan on paying this off, hard to immediately though cause I am unemployed, and canceling this card. I am sick of the Corporate Greed in this country and upset that the banks and credit card companies are GETTING AWAY WITH IT!!!
I purchased a car in April of 2007 a Mitsubishi Gallant with and got a 1200 dollar trade in value on the old...
Capitol One Bank is raising my rate from 6% to 14%. Why? Their reasoning is because of "the economy". I have an excellent credit rating, and am not behind in any payments; so their real reason is greed -- or better said, Capitol One expects customers who pay their bills on time to "bail out" the bank's poor decisions. They recently unfolded a plan to "help" those in financial crisis by revising your debt. They make it sound like the "banks" are actually helping ... the fact is the "banks" are merely squeezing the consumer to re-coup their profits. We paid off the card, and cancelled it. I will never do business with Capitol One again!
We were recently looking over our capital one credit card statement and came across what cap-one calls 'payment protection', along with it came a charge for $18.15, which looking into we found they charge 1% of your total balance. We went into investigating this, first, we called the number listed along side the charge on our statement. We first spoke to a capitol one representative who said we need to speak with the people at Payment Protection, who apparently is it's own entity outside of Capital One. We spoke with a representative at PPI who apologize for being unknowingly sold the product on behalf of Capital One, we ask the representative how long I've been being charged the Payment Protection Plan and she said it had been since November of 2007! We were blown away, we had never noticed this charge but we didn't expect it to be there in the first place, so we fought with the representative at PPI and after getting forwarded through 4 stages of management we finally got someone who agreed to refund us $100 and that was the maximum they would refund. We appreciated that since the responsibility should be placed on Capital One's shoulder for unknowingly charging for me a product. Our next step was to go back to Capital One to reclaim the remaining charges owed to us, which we feel is in the neighborhood of $235 BEFORE interest. After speaking at length with two representatives we were forwarded to the 'dispute department', and after speaking at length with three stages of representatives and 'managers', one decided to tell me they WOULD NOT refund the money and continued to try to send us back to the Payment Protection Company, which we would not allow them to do. After a heated conversation in which he refused to send us to someone higher or cooperate with us he decided to hang-up! A Capital One representative fraudulently sold us this product for a profit and a commission I'm sure and it is NOT the the fault of the people at the Payment Protection Company since they only provide a product for Capital One the sell and make a profit from, therefore it is Capital One's responsibility to refund us back the remaining balance of what we've been charged.
We've done a lot of research on this and it seems we are not alone, the search engines turned up hundreds of similar cases where Capital has either unknowingly sold or outright mis-sold this product to consumers and refused to take responsibility or properly service it's customers. We've managed to cancel the 'Payment Protection Plan' and as soon as the balances on these cards are paid we intend to cut all ties with Capital One and in the mean time we intend to do as much damage to Capital One's reputation as possible, it sounds like the $135 Capital One stole from me is more important than them retaining me as a customer.
I feel more people need to know about this and should warned about dealing with a company like Capital One who takes advantage of it's customers and then refuses to offer any type of customer services when it comes to handling disputes. Anything the BBB can do to arbitrate this matter we would sincerely appreciate since the last thing Capital One did for us was hang up the phone on us.
Since the amount charges for the Payment Protection Plan is based on 1% of our total balance there is no way to calculate exactly what should be refunded to us. We estimate AT LEAST $235 PLUS INTERESTED paid on the plan has been charges to us, we aren't looking to pursue the interest paid be we feel $235 is the right number, the Payment Protection Plan company has already refunded us $100 of the money, so the remaining $135 is Cap One's responsibility.
I had to travel to the UK for work last year and Capital One froze my credit card after making a purchase there, based on the potential for fraud. I called them (a $20/min call), waited on hold for 20 mins, and told them to unfreeze it b/c I had no other source of money w/o the credit card. They said that I have to call them any time I leave the country or this would happen again. They also said that they would reactivate the card, and they did not. I was stuck in another country for 4 days w/o any source of money, so I had to use a friend’s credit card. Needless to say, when I got back, I canceled the card.
Then, a year later, a service that I use still had the Capital One card on file and charged it. I got a bill from Capital One and called them up. I wanted to know why the charge was not denied since I had canceled this card a year previously. They claimed that it was not canceled when I called 1 year ago. They of course had no explanation for this, and so I made it abundantly clear that I wanted the card canceled now. In the process of expressing how this was inexcusable, the representative hung up on me.
I would be very careful that Capital One actually cancels your credit card when you instruct them to. Apparently, there is recollection of events or anyone held responsible for this at these banks, even though they claim to record the conversations. I will never use Capital One again.
My husband and I have been with Capital One while it was still Hibernia Bank. It has become the most wretched...
We are a group of students in Rockville, MD, who are currently working on Capital One’s deceptive and misleading actions towards its future customers.
We are looking for people who within last year had issues with Capital One.
Those issues include:
a. being solicited by Capital One with preapproved credit cards;
b. unawareness of enrollment in “Payment Protection Plan”;
c. unawareness of the true credit limits, origination fees, and late & over the limit fees;
This is purely educational project.
Please contact us at [protected]@montgomerycollege.edu.
Thank you for your interest.