Capital One

On June 1, 2021, we made several international wire transfers from our account to business partners in Ghana.
For some reason, some people at Capital One decided that these wires constituted "unusual activities" and the account was put on restricted status.
No notification was given, other than by letter in regular mail, arriving many days late.

We found out about this "restricted status", we tried to get information about why, and what happened with the approximately $450,000 that was in the account at that time, minus the values of the wires.

Over the several weeks that followed, one thing that was deposited was a deposit from the SSA. As well as the net proceeds of the sale of a house, totaling about $98,000.

After we proved that the SSA funds and proceeds from the house sale were what we claimed them to be, Capital One issued us a cashier's check in the amount of some $98,000.

Fast forward to today, and a great many phone calls in between, all of which were ultimately useless because no information was provided by the Capital One group, called the "Customer Protection Resolution Team".

Today I was told that the balance was $385,290.54, with an available balance of $0.00 due to the ongoing "investigation".
We were also told that of that balance, the "investigator" told the person on the line with me, that they could issue a check in the amount of some $98 thousand dollars, after approval. We asked them to clarify that. The a
$98,000 was the total for a deposit of some $3,000, plus another ACH deposit of some $95,000. This is exactly the money that Capital One had already paid me some three weeks ago in that Cashier's check! I told them that at that time!

Utter incompetence on the part of Capital One! Record keeping that would put a first grader to shame!

During a second call today, I spoke with a "Supervisor" who was equally uncooperative as any of the people before, except may one a long time ago, I asked to speak with the supervisor of this "supervisor" who told me that there was no one I could speak with. In other words, I could not speak with her (Heather) supervisor: Brick Wall!

All I want is a resolution of the alleged investigation, which I now know is dome, maybe, by incompetents in the area of simple arithmetic and accounting. Ultimately, after I asked repeatedly for our money to be released immediately, I was hung up on.
Oh, this "supervisor" would be willing to take a complaint, which might take up to 30 days to get a response to. Unacceptable, since it has already take almost 30 days of useless "investigating" to get to nowhere.

All I want is the money to be released immediately, so that we can get on with our business at hand, and forget about this most unfortunate experience.

Can you help us to resolve this unsatisfactory, frustrating matter?

Thank you,
Menno Homburg
Annamen Enterprises LLC

[protected]@gmail.com
[protected]
[protected]

The merge with Walmart jeopardized my relationship with capital one, now I have 3 credit cards with Capital One instead of 2. The Walmart Balance is ridiculous due to the merger. Capital One will not offer any incentive, I am in the healthcare field, we are currently not working as of yet in NorthCarolina due to a virus. Does the Care Act not apply to Credit Card companies? Many people are not working, this is not our fault.

On 7/2/2021 at 9:45- 10:00a.m. I went to Capital One Bank Drive thru at 11221 Coursey Blvd Baton Rouge, LA to cash a check, I provided my check and drivers license. The teller returned the money without my license, when I inquired about my license teller said "it was in the envelope." I replied it was not. She stated it probably fell through under the tray, she would have to call a repairman and let me know when it was found. Throughout the day after making several calls to 1-800 numbers for Capital one and no one calling me back and no one answering [protected] at the Coursey branch number at 2:45p.m. I went back to the drive thru and requested a supervisor since no one was courteous or professional enough to call me back with updates. I was referred to 8009 Jefferson Hwy to supervisor "Julie" she stated she was made aware of the situation around 12:30 some 2 1/2 hours after this incident. She gave some song and dance about a contract worker having to be called out. My license could not be found most likely it was placed in another customers envelop by a teller that was not paying attention. In these days of identity theft and cyber crimes "Julie " told me to simply pay for another license and that she could not guarantee my accounts were safe. I told her I did not loose it, the very careless teller did. The bank should reimburse me for the cost of a new license. At this point how can I be sure I wont become a victim of identy theft?

7/1/21
Leanne #EID562
Senior Account Supervisor - Tampa, FL

Poor customer service. Showed no empathy nor concern and refusing to assist insinuating that there is nothing the company can do for the consumer as it is the consumers own ignorance for not calling to confirm the Capital One mobile app is accurate. The service and treatment received presented that Capital One does not care for their customers. What use does the mobile app provide to the consumer if it is not accurate and reflects balance off by $2? Is this a way for the company to profit at the expense of consumers? Payment was made in full through mobile app however after the due date I received notification via email that my account was past due by $2 thus resulting in a fee of $38. I always pay the minimum listed on the mobile app or make additional payment over that posted amount. My payment history should support this information however this representative declined to assist and stated that I should have called to verify insinuating fee was charged due to my own ignorance. This representative ignored my responses and gave inadequate suggestions such as moving my due date to earlier in the month which was irrelevant nor helpful. She only stated that an email notification was sent on 6/23 which I do not reflect this notification to alert me to call until today.
(please see attached email notification records for reference.)

I was charged a $39 annual fee (which I was unaware of during covid) I asked them to remove it they said they couldn't. While other companies are helping the their customers you are charging arbitrary fees to customers during covid.

I asked the to close my account cause I don't want to pay another fee. I finally spoke with a supervisor who said the fee would post on the 23rd if its not charged then you are fine if it is and they do not remove the charge you can close your account in 40 Days and they have to refund the $39.

I waited to the 23rd no charge. 24th No charge. I was ok they listened. Checked my APP last night and I was charged. I spoke to 2 supervisors (1 in Costa Rican and 1 in the US) both said they couldn't wave the fee.

So to make this clear:
instead of refunding the arbitrary $39 fee and keep a customer
you rather

rather refund the $39 and loose a customer

and they said yes that's policy.

That's sounds like smart business?

HORRIFFIC CUSTOMER SERVICE.

On 6/29/21 I tried to get my card replaced. After about 40 minutes of talking to 2 people, I was so frustrated that I just closed my account and paid off the card. All I wanted was overnight service to replace the card and I said I would pay extra just to get the service. However, they refused because they said they had already put in an order for 4-6 business days. I told them that they didn't even give me a chance to say I wanted overnight service before they expedited the order. They seem to feel like as long as they were just being polite, that everything would be okay. All I wanted was for someone to just listen to me rather than say, "Oh, I'm sorry we just can't do that." Fortunately, I was not on vacation when this happened or I would have really been in a precarious position. I will never get a Capital One card again and I'm going to tell my friends not to get one either.
Vincient M. Cleamons

Have had ongoing issues with Capitol one.
-Unauthorized changes to account.
-Have Not received correspondence thorough mail.
-Ongoing problems with address changes and corrections.
-Not receiving call backs, for escalations.
-Owed 2 credit balance refunds have not received over $700.00

-very poor service... People working from home. Dogs barking, kids crying and you can hear the TV having to repeat yourself multiple times.
And misinformation documentation on file.

Very stressful to deal with, the Canadian Quebec call center is extremely rude.
I have never been so angry or stressed out with a company in my entire life.

I filed for a SBA PPP loan for my small business application was approved. I went to the Houston branch at 11408 Gulf Fwy, I went to drive thru to make a 3, 000 withdraw for equipment and the teller (cassandra or Kamila) stated I needed to show more information for the business I did not have it on hand at the time. but I had available my driver license and social security card. She went to ask another co worker, then return to me and stated that she had to put a freeze on my account. I have loss money and contracts because of her negligent. Now am getting the run around on trying to resolve the issue I have produce all legal documents for my business.

Clyde C3 powerwash

Hello,

My name is Izorela Turbuk and my Capital One expired last year in August.
Due to the Covid 19 pandemic I got stranded in Romania for the past year . I've contacted Capital One Canada customer service multiple times asking them to have the card send to me in Romania and I would pay for shipping. I was asking them to make this exception considering the difficult times we are all going trough. Every time the answer was NO. Last time when I spoke with customer service I've been told that a supervisor is going to contact me. This never happened.
I was hopping that Capital One will help their customers in need.

Three times I requested an authorized user Walmart credit card and three time you knuckleheads couldn't deliver. My mailbox doesn't allow for another person to receive mail who is not on the contract, it's illegal. Three times I asked 2 supervisors and 2 CS reps to make SURE the new card was addressed to me and three times, including a FedEx priority delivery you sent, is was addressed to Michele Cucinotta. How incompetent and stupid can your people be? The mailbox owner returned the envelope as not at this address. Why are you so incompetent? What's it going to take?

Hello : I was charged a fee! for a bill that is paid on bill-pay for ($158.72) on web & mail. bill statements (if needed) will send but you have my information. Card ending (3528) April 26-to-May 26-(due June 20) check my account & close that bill. Have (memos & and confirmations ) OK bill was paid i need my account cleared . i am up to date with all. I don't want to double pay a bill. My email =[protected]@aol.com

Every customer service rep was rude and unprofessional.
I was left on hold while I could hear them laughing and joking around, not tending to my issue.
After making several requests I never received my card or letter in the mail.
Never even had a chance to use my card.
My money has been held for 4 months, and I am told I have to wait another 2 before they will even mail it back.
Which I do not trust as I have yet to receive a single thing in the mail.

By far the worst company I have dealt with to date.
I will never use any of your services again.

On March 16 I signed a contract with Priority Home Relocation to move on April 16, 2021. I was told I could cancel up to 72 hr prior. I called on March 17th and canceled and was told I would get a refund in 5-7 business days. After not getting a refund I contacted the company 2 times and got a different story each time. I contacted Capital One credit card on March 31st and explained. I was refunded the amount on April 1st. On April 7th I was charged for the amount. I contacted customer service and sent information. I was refunded on April 27 and then was charged the amount back again on April 29.

Priority Home Relocation had sent Capital One a letter falsifying information saying I made the reservation for March 16th at the last minute and therefore did not qualify for a refund. They continued with a false information on what had occurred and said they had it recorded.

After talking to many representatives and sending information to Capital one I finally talked to a manager. Together we called the company and they said they could not speak to us because it the case was being investigated. I was basically told that Capital One would not refund me because I didn't have in writing saying I would get a refund and that this was Visa and Master Card policy not theirs. Why was I then refunded 2x prior? It was clear that Priority Home is a scam. My understanding has been credit card companies are on the side of their clients.

Capital One clearly does not stand behind their customers.

Senior lead Lola (IEE136) was extremely rude and condescending over the phone with me. After being a loyal customer for 10 years now I can't believe Capital One is okay with this. I had $74 balance left to pay off and she refused to waive a $25 late fee. She told me she could not justify it. She would not let me speak to her supervisor or anyone else. She was not concerned or empathetic at all toward my situation. This is unacceptable and has really turned me off to any Capital One products in the future.

Aaron Michalski
7516 E. 52nd St
Tulsa, Ok 74145
[protected]

I have been a Capitol One Mobile app user for about 10 years. Recently your app advised that users must have a IOS 13 update in order to use the app.

My wife and I, users of your app, both have Iphone 6 devices. Apple has advised that this older version of Iphone can not down load IOS 13.

So we now have a decision to make:

Buy a new Iphone to replace our devices which currently work extremely well for all of our needs except your app.

Find a new bank credit card with a mobile app that continues to function with Iphone 6.

missing payment will no assist

My PPP loan funded on June 8th on June 1st I called Capital One bank and told them I was expecting the PPP deposit from ready Capital my lender and ask them if there would be any issue if it was deposited into my personal checking account I was told by a supervisor it would not be an issue to go ahead to deposit so the deposit gets done two days later on June 10 my account is frozen because of the PPP loan they said it went to their fraud department so I called the fraud department they wanted copies of my 2019 tax return and my the name of my company and bank statements which I'd already given to SBA and ready capital but my loan was based off my 20/20 tax return not my 2019 so I advised them of that and sent them my 2020 tax return and my SBA loan approval contract that I signed and answered their question I told him it was a sole proprietorship and I followed all the guidelines and got my loan I took me 3 months to get get the loan and they said okay well thank you answered all of our questions left me with the impression that the funds were going to be put back into my account that was 4 days ago and we have no funds accounts are still locked and then they went away for the weekend it was closed down left my friends still locked and I have no recourse I don't know what else I can do they have all the all the power if they mention the word fraud legally they can take the funds I've called I've sent them every document requested and still nothing this is the worst bank I've ever dealt with in my life I've written letters to the president I have done everything that they've asked I've called the SBA I called Ready Capital to see if they were the ones who ordered the investigation and neither one of them ordered anything this is all done on Capital One own mission which they have done to thousands of others of other people I found out after the fact going online and reading what they have done to so many small businesses sole proprietorships they feel if they think it's fraud then that's it game over they can't get away with this this is unbelievable everything I did was above board legit and I'm not backing down I know I'm right they can't do anything I follow the guidelines if they don't like the way the PPE loans were set up with too damn bad it wasn't their decision to make

After dealing with cvid situation and other financial hardships, as a customer for over 12 years, asked for a lower interest rate on our 2 cards. Was told they could do nothing for us...each card 21 & 22%. Our credit rates are in the upper 700's, have ALWAYS paid on time. This is highway robbery! We have finally wised up to not use them anymore once we finally do get them paid off. Thanks for nothing...no help during unemployment and difficulties. Not even a temporary lower rate for 9 months or so to help stabilize...nothing. WOW #angryloyalcustomers

On April 1st 2021 I booked a flight through the Capital One Ventura Visa rewards program. They entered my name wrong. Today I have spent 4.5 hours on hold with [protected] so far trying to:
1. Get the booking under the proper names
2. Reserve specific seats
3. Pay for 1 checked bag.
After 1.5 hours I was able to get hold of someone, who told me "oh - you need to talk to a different branch. I have since spent another 3 hours on hold.
Is this REALLY the kind of customer service I can expect with Capitol One?
PLEASE call me back or answer my call! I am on my mobile phone at [protected], and have currently been on hold for 4 hours and 32 minutes...
John Pinkerton