United States - VA23238
I had been a customer of Capital One for quite sometime starting in 2000 and ending in 2004. The reason I...
I requested a auto refinance loan and then I did not receive a denial, instead it was "referred" to Roadloans.com who charges 12% interest. I am guessing that Capital One gets a fee out of this, so maybe this is how the loan crisis began by turning people down who have good credit, so they pay a higher interest.
After owning a credit card with Capital One for nearly 3 years and paying down a credit line in excess of 5...
On Nov. 21, 2007, I purchased a round trip ticket through Expedia from RDU to HYS. My return flights on Dec. 11, 2008 were cancelled. Cancellations were weather related. Great Lakes Air and American Airlines (AA) re booked me with the same itinerary for the following day. However, the AA agent told me that because the initial leg of my flight on Dec. 1, 2007 was via United (RDU to ORD; ORD to MCI), United would have to issue the new ticket. I spent the remainder of the afternoon and a good part of the evening on the telephone trying to get this ticket issued. Out of frustration and desperation placed another call to Expedia. I explained to this agent that the first UA agent told me UA could not issue a ticket for another airline. Subsequent calls to Great Lakes, AA, and Expedia told me that under the circumstances UA could. Relaying this to the next UA agent I spoke with, he told me the ticket would have to be issued at a United counter and he could not help the fact there were none within hours of HYS. Although Great Lakes Airlines appears to be a United partner, this agent claimed Great Lakes could not issue the ticket (ultimately they did the following day and my itinerary says I flew United 5041, operated by Great Lakes Airlines). Conferring again with a Great Lakes agent, I was told they would accommodate me and fly me to DEN or MCI where there were UA counters (the agent confirmed I already held a reservation on their flight 5068 to MCI). Relaying this to the next UA agent I spoke with, he told me I did not hold a reservation on flight 5068, the flight was fully booked, but he could book me on a later flight. However, he was sorry to tell me I would not be able to make my connection on AA 4695, and I would have to be routed on other UA flights to RDU. I next called Great Lakes and their agent assured me I still held a reservation on flight 5068. It was at this time I called Expedia again and talked to an agent who was able to act as an intermediate, by simultaneously contacting a United agent. He told me United was not willing to accommodate me with the reservations I presently held because it was not in their financial interest. He told me United was willing to accommodate me with two itineraries, both with United as the carrier. I choose the one through DEN, even though the weather forecast was for freezing rain through the night. Safety, my disabilities, and recent surgery are another issue I wonâ��t address; UA didnâ��t care and I wanted to get home. The Expedia agent relayed my choice to accept the flight through DEN to the United agent. I was told to check in at the Great Lakes' counter in HYS at least an hour prior to my flight.
I should have filed a complaint pursuant to my experience described above, but I had already expended considerable time and was content this ordeal was over, but in reality it had just started. When I received my Capitol One January statement, I noticed two charges on Dec. 11 to United, $649.90 and $15.00. This was the date my flights were cancelled; the day I was not even able to travel to the Hays airport. I never gave my credit card number to a United agent for these charges, nor authorized Expedia to do so (recall, the Expedia agent was my mediator; I never even talked to a United agent in finalizing my flights). I don't know how United was able to obtain my credit card number.
In addition to fraudulently charging my credit card, United Airlines violated the terms of their contract. Rule 240, section C 1 A in the United Airlines Contract of Carriage states that â��UA will transport the passenger without stopover on its next flight on which space is available â�¦ at no additional cost to the passenger.â��
Capital One violated the terms of their contract by not removing these fraudulent charges from my account. Initially their contention was the charges were legitimate because the service was provided (UA transported me on a flight). Subsequently, their contention is there was no fraud; I actually purchased two tickets with different itineraries and itâ��s inconsequential how UA obtained my credit card number or if the charges were made without my verbal or written authorization.
In trying to recover these charges, several contacts were made to UA:
1. There is an average waiting time of 30 minutes to speak to an agent
2. Agents have no authority, although you must tell every detail of complaint before being referred to a supervisor
3. Referrals to supervisors incur additional waiting time, or voice mail instructs consumer to leave phone number for return call
4. Return calls not usually received (I received only one after having left several messages)
5. All agents I spoke to in refund department with UA were difficult to understand because English is not their native language. Either my wife had to speak in my behalf, or we had to request another supervisor â�� more delays.
6. On March 7, 2008, via e-mail, UA issued an apology and offered me a $100.00 travel voucher on UA, but no additional refund or compensation for fraud or violation of contract
7. UA finally agreed to refund charges if I could provide proof flights of Dec. 11 had been cancelled. This information was provided by phone on March 11, 2008 by Great Lakes Air agent
8. On May 28, 2008 United only offered to refund an unspecified value of return portion of original ticket (original full round trip ticket was purchased for $554.20)
Having not received a refund, I disputed these charges with Capitol One because they were not authorized:
1. Pursuing dispute through Capitol One required at least fifty hours on phone and preparing and sending documents.
2. Every phone call requires navigating through several layers of automated menus, holding time, and frequent misdirected and dropped calls
3. There is no was to speak to the same agent after misdirected or disconnected calls, and the entire history has to be repeated each time (Capital One agents are prohibited to initiate outgoing calls)
4. Identical documentation and information was requested several different times
5. Although Capital One initially refunded these charges, following their â��investigationâ�� the charges were reinstated. In their analysis, the charges were not fraudulent even though documentation was provided substantiating I was using a previously purchased ticket in accordance with United Airlines Contract of Carriage
6. On May 28. 2008, after four hours of calls to several agents and departments, the individual agent I was speaking to at the time discovered I UA had actually issued a credit on May 6, 2008, but the credit had somehow gotten lost
7. This lost credit would take an additional seven to fourteen days to appear on my statement
8. My last balance on Capital One of $156.90 was due on June 20, 2008. If the credit was not found and applied to my account, I would be required to make a payment towards this balance
I have volumes of notes and documents, which I would be happy to provide in part or in full upon request.
Last month, Capitol one stuck $64.68 of charges on my account, ostensibly because my payment was late. After I showed that my bank had made the payment on time, the charges were removed.
This month, however, I have a new charge of $9.56 because I paid the balance less the $64.68 (which was credited to my account before the due date.)
Today I had to listen to Tara and Shirley from Capitol One "Customer Service" tell me that a zero-balance isn't proof of payment in full...that I should have overpaid the account by $64.68 in order to avoid the $9.56 finance charge. What rubbish!
Let's do the math, too...assume for a minute that the erroneous charge of $64.68 was valid, 9.56/64.68 over 30 days amounts to %177 APR.
My home was broken into in April - the thieves took and used my Capital One Credit Card and AOL Visa credit card to make gas purchases. I called Capital One and AOL Visa immediately. A fraud representative from Capital One told me she would be sending out fraud forms for me to complete and the amt of 106.00 would be removed from the card. It is July and I am still waiting for the fraud forms and the 106.00 dollars to credit to my acct. I have made numerous phone call regarding this matter- still with no results. The 106.00 balance is still being carried on the card. As soon as this matter is resolved I'm canceling this acct-never to return.
As far as AOL credit card- they resolved this matter in days!
My name is Scott Wright. I am a victim of credit card fraud. A girl has gotten my information from my mail...
I bought a car through a Capital One Auto Finance 2 & a half years ago. In good standing. A few months ago...
I have been a Cap One customer for years. In January I made a balance tranfer to my current APR which was 0%...
I had decided to make use of my time overseas to improve my credit and started this credit card account. As I...
This company is terrible when it comes to customer service. You'd think that you could get someone on...
On monday October 1st 2007 I checked my checking account online normally as I do i see a balance of five...
I was VERY dissatisfied with the way I was treated by the Capital One representatives with regard to some fraudulent charges on my credit card statement and I am very suspicious about the way they handle business. By the way, I am an excellent customer.
In November/December 2007, I received a call from Capital One stating that someone was attempting to make charges to my credit card from Hong Kong. My card was cancelled and a new card was issued. This was the first time anything like this ever happened to me. There were no suspicious charges on my current bill and I never really made it a habit to scrutinize my bills on a monthly basis since I have never had fraudulent charges appear before. So when I received my end of year SUMMARY from Capital One in January/February 2008, I noticed that there were three charges made to my credit card that I know nothing about. One was on May 1, 2007 for the amount of $21.40, one was on July 4, 2007 for the amount of $123.90, and one was on August 6, 2007 for the amount of $123.90, for a total amount of $269.20. I immediately made copies of the charges and sent a letter explaining the suspicious charges. On Friday, April 11, 2007 I was transferred and put on hold numerous times. More often than not you could not understand the people you are talking to. I spoke with Florine, Charine (ID XNZJ966), Elizabeth, John, and finally Rudy (ID FQK130) who told me that a credit would be issued, my credit card would be cancelled, and a new one sent out. On Saturday April 12, I called Capital One again, and discovered what Rudy told me was a lie. My credit card was not cancelled and the charges were not removed. Again, I was transferred numerous times, to Sergio (WWE444), Alan (OPG134) and Mohammed (LAE734). I have reason to believe the names and ID numbers are all fictitious b-c you could never track anyone down again once you hung up from them. Since nobody would help me and since this was the worst customer experience I have ever had, I told the last person I spoke with to cancel my credit card once and for all. But I am not done. I demanded credit for $269.20 for charges I did not make, and I wanted a letter of apology for the way I was treated from every person that transferred me and threw me back in Q. I intend on exposing Capital One and telling my story to as many people as possible and to shed light on the corrupt behavior of Capital One in an effort that it lessens the number of victims in the future.
A letter to the Comptroller of the Currency Administrator of National Banks at 1301 McKinney St Suite 3450 Houston, Texas 77010 quickly helped resolve my issue. I was issued a credit from Capital One.
I have finally paid off my full balance with my orchard bank account, i am in the process of paying off all my debt and I am almost done!!! I was told by the women that i spoke with that she can wave the late fee since i was paying off my balance in full... she told me to wait 4-6 days and the 30 dollar credit would be on there... well i checked my statement and it was never credited ...i know it is only 30 dollars... but no i keep getting emails saying they cannot do that... it is on my account agreement... i mean seriously why would i pay off the whole balance and not the 30 dollars if this is what i was told... i will be also contacting the BBB and all troubleshooters in colorado... this is the worst company ever and customer service sucks!!!
It's either Capital One Auto or Chase Auto. Out of about 100 calls one person told me and I'm not to sure which they said.
They call me several times a day, treat me with no respect. Don't answer my questions. They ask for someone I've never heard of before. They say they will remove me, it's been 2 months. A minimum of 4 calls a day. I ask for there supervisor and they don't connect me, they DISCONNECT me. I went along with them once just to find out who they are, cause they don't give any information. I am tired of being lied to, I am tired of hearing my phone ring at all hours of the day. I am tired of getting wakeup calls at 8am on a Sunday when it's my only day off! Sunday is a holy day and it should not be used for these *** people to call. Why don't they do there research to find out who they are calling and be polite rather then get angry. I am reporting them to the BBB and will file for harassment very soon. I would love to file a class-action lawsuit against them just for not having there facts straight.
Back in September, 2007, a charge appeared on my Capital One credit card statement dated 9/19/07 which I felt...
If you are reading this, it is probably because you don't want to be called by these people again. You may be late in payment and that is why they call you. They act like they know you and say (for example) "John? John Smith? Hello?" on an answering machine or if you actually pick it up, they sometimes do not speak and they hang up or they will get rude with you. And this can, and most of the times will, happen SEVERAL times within just one day!
Well one thing some fear would be to get a machine that you can hook up to your phone to record the phone calls and simply tell them at the beginning of the phone call "I will be recording this conversation" because by law you MUST tell them you are recording it if you are. But, who's to say you aren't really recording it but tell them you are? *hint hint* Most of the time it freaks them out and they won't want to talk so they hang up!
If that doesn't budge them, simply state that under the FDCPA (Fair Debt Collection Practices Act) it is illegal to be calling several times a day and you will be reporting them if it continues to go on. And under Section 5:7 it states "A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:... Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number."
Just thought to help, I was able to get them to stop calling and keep us off of any "list" they have.
Goodluck to you all!
On January 8, 2008 I got a new credit card from Capital One, taking advantage of advertised offer of 5.99% for life. I promptly transferred $7,500.00 worth of other debt to this card. I set up payment via the web. I paid $250.00 on January 22nd, in advance of the first billing, which I HAVE NEVER received). I have attempted to make a second payment (still having received no statements) but the account is locked on line and I am unable to make a payment.
After reading literally hundreds of complaints against this credit card and bank, I now realize they are VIPERS and certainly up to no good. If I had adequate funds I would promptly pay off this card and take out ads stating my opinion of their obviously underhanded activity.
I would LOVE to join any class action suit against Capital One and their credit card practices. I suspect they are going to be giving me a lot of grief over the next few months. I would also love to sue individually, but at this time I don’t think I can afford such a lawsuit.
Capital One Auto Finance stated 12/07/2007 via UPS they will refuse any arbitration of any kind this is a direct violation of the FAA act of 1921 I filed arbitration claims against them 4 times 3 times with the National Arbitration Forum file# MX0711002018527 The reasons are the following
1). I have been mailing my Car Payments Certified Return Receipt and they are claiming this is in Debt Collections I have made over 2 years of Car Payments 205.35 at 19.99 percent even though my credit score the past three years is over 650 meaning the rate should have been 10.178 percent
2). I bought the car through Tacoma Auto center and they had this listed under WFS and or Onyx I was not aware that this was a subdivision of Capital One Auto finance if I knew this I would have walked out.
3). The Contract is Notarized and Apostilled.
4). The affidavit is Notarized and Apostilled arbitration.
Capital One claims there is no arbitration clause so when I have any more Financial deals please exclude any offers from Capital One divisions subdivisions. If I buy a New or Used Car Please exclude Capital One they are unfair in their dealings.
In 8/2006 I bought a statue for $4,000. The comp. Elliot in new jersey, delivered damaged. I refused it. They promised me new one I never got it. I called capital one on 9/15/2006 to get my money back. Well this went back and forth for 3 months with me and elliots inc. Elliots won. They have money and statue. Capital one wants me to pay for it. I told them no way. I don't have statue. Tsys called me from 3/2007 to 8/2007 when I sent mt lawyer after them. Capital one hired them. Tsys claimed they where legal serves for
Capital one. They said they would sue me and called me every day. At least I have every ones names times and recordings and documented calls.