Capital One reviews & complaints 1033
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Unauthorized transactions and fraud claim.
Paul Arceneaux Jr
Claim # 210529CL00138
I filed a claim for unauthorized transactions on my account and it was denied. The total amount stolen was 4, 767.00$. It was my child's mother who does not live with me
And I would never give her my card. She stole it. She first went to a different bank ATM (not a capital one) and tried to withdraw 2, 000$ but she put in the wrong PIN number because she didn't know it. Then she went to a capital one atm and got denied a few more times before she figured out my pin. She withdrew the max amount which was 800$ then immediately withdrew another 800$ then immediately withdrew another 400$ which was the max amount she could withdraw from a atm. Then she went to a bestbuy and spend $2123.00. Then went to a Walmart and spent around 500$. She made a couple more purchases after that totaling $4767.00. When they denied my claim I asked them to send me video footage from the capital one ATM and they would not. This is insane. She stole almost 5, 000$ from me and this is complete fraud and capital one has no way on earth to make
A claim saying that this was legitimate however they are saying the transactions are legitimate and not fraud. Thanks a lot if you can help get this resolved. I will contact a lawyer if you cannot help me resolve this. Thanks in advance.
Paul Arceneaux Jr
[protected]
[protected]@yahoo.com
Desired outcome: For me to get my money back
unauthorized credit card charges
After receiving my card I did not get a bill in the mail for 5 months. That was when I discovered unauthorized charges. I went through over a month of calls back and forth with fraud. 1 person would tell me it was taken care of the last person I talked to said I waited too long to report the charges. The others said it would be fixed. I only used the card for one site. Now I get a call from fraud saying that I owed the entire amount over 800$ Never will I deal with this company again.
Desired outcome: Take the charges off my card like I was told would happen.
The 2 Step Verification I NEVER asked for and Doesn't Work
I do not receive the text message and the NFC is a joke. Why can't the app just call with the verification code, like the website does? Just...plain... annoyingly...STUPID!
Thank you.
Desired outcome: Fix the F...ing APP VERIFICATION!!!!!!
Telephone
I bought mobile telephone which capital one shopping approve it from wish.com which was total price was with shipping and taxes $137.00 but they (wish.com) send the receipt total over $180 dollars. I right away sent reply to cancel that order. It is froud. I talk to my credit card company they told me that it is still processing. wish.com did not cancel my order. What is this? . IS capital one shopping part of scam with wish.com?
Overcharging of late fees that are unjustified.
In April I paid $75.00 on my account on time. I was short $4.oo because I had not yet received my bill and did not want to be late. If you check your records you will find I have never missed a payment nor have I been late.
I received a phone call stating I owed $138.00. I was dismayed because I had not missed a payment. Told I had a late charge. This was untrue. I spoke with a man at a later date and explained what had happened and he indicated he would take care of it. I was unable to stay on the line and requested he call me back or e-mail me to let me know It was taken care of. No response.
I had various calls from Capitol One at inconvenient times as I am retired a sleep late so I hung up.. One time I requested a call from a supervisor and got no response again.
My April payment was $100.00 to compensate for the $4.00 I was sghort previously.
I am writing to say that I refuse to pay the first late fee as I was not late only short by $4.00.
Then my current bill arrived stating I owe $170.00. I am now irate and call again requesting a supervisor. This lady was quite nice but said she could not help me because my birthdate was incorrect and sent me to fraud and security. I was hung up on prior to speaking to anyone.
Then I called back and spoke with another representative and he tells me my birthdate is fine and indicated it may have been updated. Seems to me both these people were
putting me off. He did delete the last late charge of $39.00 but said I still had to pay the $170.00. He also indicated he was unable to take care of the first charge and was unable to put me in contact with someone who could take care of this.
Suggested I file a complaint which I am doing.
Of course, I am refusing to pay this amount because it is not justified. Part of that refusal is the first late charge of $39.00. I will pay $92.00 which is the amount I should be paying this month.
I am hoping this can be taken care of so things get back on the correct track. If not, I have other resources I will contact regarding your company.
My name is Patricia Cooley, date of birth is 5/19/41, Credit card number ends in 2776.. I would appreciate a phone call in regard to this. [protected]
Desired outcome: $39.00 late charge fee taken off and acknowledging my payment for May is $92.00.
Disputed charges
I have been trying for almost a year to get disputed charges removed from my account. In May of 2020, I tried to order a pair of Ariat boots and shoes online. I put my credit card info in and got error message, oops something went wrong, try again. So I put in my info again and got the same error message so I closed the window out and moved on. Then, I got my statement showing two charges of $62.83 to a Reliablekind. What a surprise when I thought I had backed out of it. So here we are a year later and many phone calls later, I am still trying to get this resolved. Today I spoke with 6 different people, two who either hung up on me or their call was lost. And now, a year later, I am being told I need to provide documentation. I have no documentation. I never received anything from the merchant. Why am I just being told this now? You all are taking advantage of people by telling us to not pay on the disputed amount but yet you continue to charge late payments. SCAMMERS!
Desired outcome: All charges, interest and late payment fees associated with the disputed charges removed.
Payments
I called to pay my $30.00 on my bill in April for May, They took out $70.00 from Chase Bank. My case number is100004905887653. My bank stop the payment and then did a charge back. Capital One issued a temporary Credit. Visa sent the money to your company on 4/28. Your company states they don't have it. We provided the ARN# 24906411081116986169217. Please assist in this matter. Visa paid. Capital One states they do not have the money
Desired outcome: Credit my account with the $70.00 Visa sent and take your $70.00 temp credit
Account was double dipped over 700
I have been on calls since Monday almost 4 hours about a transaction that no one seems to be able to help with. My account was deducted twice for the same amount. I have been told to call back in 24 hours, 1-3 days, today a supervisor was supposed to call me by 5:30. I called at 5:28 and still hasn't been resolved. I have spoken to a "manager" every call and keep being told to call a different number.
Desired outcome: Refund of my funds
Title Lien Still in Previous Lenders Name
I refinanced my car with Capital One in December of 2020. I have been making payments to Capital One since January 28th 2021 with an additional $300 per month going toward the principle. Fast forward to April 2021. I was in the process of selling my vehicle to Carvana, but they had to halt the sale due to Capital One never getting the lien switched over to their name from Nissan. I have contacted Capital One several times since April 6th, the day it was suppose to be sold asking what the hold up was with getting the lien switched over. The funniest one was when they told me they had to wait until the DMV contacted them to make the switch which made no sense. Another one told me that they sent the paperwork in on March 30th and to wait until May 11 to call back. I contacted the DMV on May 12th and was told they have no record. I called Capital One today May 13th and was told it was still being processed, but I had them check a little further and found that it still had not been sent out after all this time. I don't know what more I can do. This situation is ridiculous. I can't sale my vehicle until Capital One does what they were suppose to have done back in January. Capital One just keeps dropping and making excuses.
Desired outcome: Need Lien holder Switched from Nissan to Capital One
Unethical behaviour
I received a letter from Betty T. The content was about the overpayment I had to claim, and if I didn't claim it by June 1 without any news, the amount would go back to California.
I called, but I had to wait for more than an hour, and the connected phone was being talked to by several people laughing and talking. Capital One NA of Richmond Bar, California, stated that it had money in its account from Capital One. I don't know what they're talking about. He says he hasn't been able to contact me since July 17, 2016.I was living at the same address. The phone number was the same I kept this phone number since 1998.
I received a 6/1/21 "D -Day notice from CA STATE CONTROLLER BETTY YEE, stating that CAPITAL ONE N.A. had UNCLAIMED ABANDONED PROPERTY in my name for the past 5 years. I've moved one time since that 11/2016 date of abandonment. It also stated that if I didn't call them before that June 01 date, the amount ($82.87) would be surrendered back to CA STATE CONTROLLER BETTY YEE. They go out of their way, writing all in BOLD lettering, however, that STATE CONTROLLER BETTY YEE DOES NOT HAVE THE PROPERTY.
A scary sequentially, but ok, I get it. Just call that number on the notice and all will be fine, right?
I've now made 3 separate calls to that number (April, May, and yes, I'll be joining the rest of you calling again on JUNE 1). Best summed up in a quote from a movie, maybe it was Deliverance (which would be ironic)...
"What w have here is a failure to communicate."
And, unfortunately, the two parties that should be communicating aren't. And for me, it's not even about the money anymore. It's a FREAKING QUEST!
CAPITAL ONE OPERATORS don't seem to realize what Abandoned Property actually is, and if they do, they're not at all sure who to put me in touch with to get it back.
If I were a conspiracy theorist I might conclude that Capital One and Betty Yee & Co. were in on it together, with the goal being all that "loose abandoned cash" would just seem to be lost in some Capital One Black Ops Room and then transferred in armored trucks by the CIA to the "black hole of finance" which is the state of CA VAULT, most customers just giving up out of "3 call frustration syndrome." Probably adds up in some sick universe (like mine)lol
Get it together, folks. If you're gonna threaten us with keeping our funds, than we should be able to take care of business...PER YOUR DIRECTIONS! The State of CA seems to think you have an Abandoned Property department run by a guy named Gary somewhere in Richmond VA.
Your mission, should you choose to accept it, is to wade thru the crap, stay calm, retrieve the abandoned
property, and just laugh that two very large corporations built on professionalism appear a little more dysfunctional than Subway. Good luck, Jim! (cue Mission: Impossible theme)
God bless us! Everyone!
Saving
I was approved for a ppp loan through a non buissness lender and funded to my capital one account capital one decided they were going to freeze my funds and launch a investigation in to my funds they are not real upto date on sba ppp guidelines so now capital one is holding 279250.00 that I need badly hostage and saying the lender who approved my loan and SBA are wrong in approving my loan and capital one is saying I don't qualify capital one is fraudulently holding my funds according to sba and lawyer I will have to hire to sue them and get a court order to access my money unless they stole it
Desired outcome: Access to money
Billed three times
I had cancelled a hotel reservation that was initially charged to my Capital One credit card and did not receive the reimbursement . I contacted Capital One to see if the issue was on their end. The representative filed a dispute since it had been several weeks and the reimbursement had not been issued. She advised me that if the reimbursement was issued they would simply deduct the purchase adjustment they had put on my account. The hotel finally refunded my payment. Capital One then deducted the purchase adjustment TWICE! I called to have the issue corrected and after being on the phone for an hour the representative assured me they had credited my account and all is well the amount would show correctly in a few days. Two days later I check my account again and Capital One had not fixed the issue. In fact they had charged me AGAIN. I'm currently on hold again 30 minutes in to have this corrected once again. I will never use Capital One nor suggest it to anyone ever again. This is by far the worst experience I have encountered with a credit card company.
Desired outcome: I would hope in the future Capital One may seek to hire individuals with an IQ greater than 60
Auto services
Client ID:[protected]
I am currently a customer of Capital One's Auto; I refinanced with them in June 2020; with that being said, they just informed me that they finally completed my title this year. However, they have still failed to provide proper documentation to my local Treasures office for my tag. I am currently on a temp/courtesy tag provided by the state, and it will soon expire. I have reached out to the numerous times regarding this matter but still no results. I don't know what to do.
Desired outcome: copy of updated Title sent to local Treasure office in Leavenworth Kansas
Contact phone menu
Your menu is awful. Not only the same 8 bars of a lousy song for 10-20-45 minutes, but the worst part is that the music is interrupted every 20 seconds or so with "we appreciate your call, we'll be be right with you".
You want to scream, yes I know! Shut up!
On the more serious side, their policies re returning a lost or damaged card to another country are horrible.
Can't deliver to a fedex office (what if you are with a friend in the outback that has no address? No mail delivery?) areas with no mail delivery are common in costa rica!
Also there is no fedex for 50 miles or more away! Why can't you use dhl or other services?
Furthermore when I finally did get them to send it to a friend in the usa instead, whereby he could send it to me by dhl, they got his address wrong... So bottom line:
It took me 8 hours of calls... And over 4 months of wrong addresses and etc to get my card! Horrible customer service for those of us who frequent foreign destinations!
Desired outcome: Change the phone menu music and make the announcement less often - or better yet hire more CSR's to answer the damn phone!
No hardship help??
Both my husband and me had Cap One credit cards - we used them during the pandemic to LIVE - Cap one gave us forbearance and then abruptly ended it saying our balances were too low? They then wanted "minimum" payments on both cards over 100.00 each - my husbands card balance was 3900.00 and mine is 2700.00 - I called and was told two different times that Cap One has no programs for hardship assistance yet on the website it says they will work with every customer to help them with hardship!
I have called every week to "check" to see if they have any open hardship plans like the customer service rep told me too - its week 4 and nothing!
I am done with Cap One - we will never get another credit card from them again! I will make small payments until I can get a consolidation loan or negotiate a lower payment - DO Not get Capital One credit cards!
Desired outcome: That Capital One would back up what their add and website says and work with card holders who have hardships
Credit card
Charged me $28 for late fee before the due date was over. Credit payments long after other companies. Predatory lender. Was a good company before they hooked up with walmart. The worst company on earth.. Cashing in on the pandemic every way they can. In my opinion the most heartless and greedy people. I hope amazon runs them out of business. Truly bottom feeders
Desired outcome: reverse their bull crap late fee
Capital One Credit Card
- I overpaid my credit card $4322.34 in order to use the money online - they will not give
me access to the full funds - they are only allowing payment increments equal to my
credit limit of $300 - they will not allow access to any more funds until the most recent
payment posts "3-5 business days" - at this rate it would take potentially 72 days to
use/access my full funds - I was told I could overpay and use my money - Their website
says to "spend down the balance" but will only allow the above situation - unresolved
with customer service or account management - the full process of complaint resolution
all the way up to the OBSI would take upwards of 90 days - they have my money and
are holding it ransom arbitrarily
Desired outcome: immediate access to my funds or immediate refund
Closed account and took funds.
Capital one closed my account because it went negative one time and I was supposed to have overdraft protection on my account. Also I received a PPP loan that was funded from Fountainhead. It was my second draw application and they told me they were freezing my funds to investigate. I sent them all documents and approvals from the sba, womply and fountainhead and they still said it wasn't legit and it was suspicious for fraud and said they were sending my money back. All because it was a business loan that went into a personal account. According to the new SBA rules implemented by Biden, you do not need a business account if your are a small business or self employed. I need help because I deserve the funding that I was made aware that I was going to receive.
Desired outcome: Return a close out check to me
Credit card
I've been a member of capital one for several years and all of a sudden they put restrictions on my credit cards. I called and spoke with several associates and supervisors regarding the restrictions placed on the cards, no one could tell me why the restrictions were placed, they only told me that I had to send in all my information so that they could remove it. (no reason for restrictions) I asked that they credit my account with my rewards and I would pay the balance and close the account but I was again told that nothing could be done until I sent them all my information (dr. License, ssc, bill, time I woke, sleep, [censored] and ate.) I thought capital one was a much better company than what i'm seeing, but I guess not. This has to be against the law for them to keep my money but request money from me and if I don't pay they damage my credit. I don't know what to do at this point.
Desired outcome: Credit my account the rewards and close it.
Associates at capital one bank branch
Today 3/29/2021 I when to Capitalone Branch to deposit some money.
When I arrive at the brank there were 4 people in front of me. There 4 tellers taking care of customers. I'm waiting for my turn 12 minutes have gone by and all 4 tellers are still taking care of customers. Although I'm mindful that the representative should diligent when handling customer money. I also know that today's business is conducted much faster than when we have bank books. Today felt like a walk back to the 1960"s . Super slow tellers I to make matters worst two tellers were taking care of one customer while the other customer continues to wait past 12 minutes for an available teller. Then what seemed to be a supervisor apologized for the delay in service. When it was clear the contempt that the tellers had for the customer at the branch. This can of contempt for customers slowly erodes the bank and client relationship. And if goes unchecked it will eat at your profits in time as well.
Desired outcome: Seriously repremended
Capital One Customer Reviews Overview
Many customers appreciate the convenience of Capital One's online banking platform, which allows them to easily manage their accounts, pay bills, and transfer funds from anywhere. The company's mobile app is also highly rated, with users praising its user-friendly interface and helpful features.
Capital One's customer service is another area where the company excels. Customers report that representatives are knowledgeable, friendly, and responsive, and that issues are resolved quickly and efficiently.
In terms of credit products, Capital One offers a variety of options to suit different needs and credit profiles. Customers with good credit can take advantage of the company's low-interest credit cards, while those with less-than-perfect credit may benefit from its secured credit cards or credit-building programs.
Overall, Capital One is a highly regarded financial institution that offers a range of products and services to meet the needs of its customers. Its commitment to excellent customer service and user-friendly technology make it a top choice for many consumers.
Capital One In-depth Review
Overview: Capital One is a leading financial institution that offers a wide range of products and services to meet the diverse needs of its customers. With a rich history and a strong mission to provide innovative financial solutions, Capital One has established itself as a trusted name in the industry.
Products and Services: Capital One offers a comprehensive suite of financial products and services, including credit cards, banking, loans, and investment options. With a focus on quality and variety, Capital One ensures that customers have access to a range of options that cater to their specific needs. The company's commitment to innovation sets it apart from competitors, constantly introducing new and improved offerings.
Customer Experience: Capital One prioritizes customer satisfaction, providing an exceptional user experience on its website. The user interface is intuitive and easy to navigate, allowing customers to access their accounts and manage their finances seamlessly. The customer support channels are efficient and responsive, ensuring that any queries or concerns are addressed promptly.
Account Management: Capital One offers robust account management features and tools that empower customers to take control of their finances. The online banking capabilities are comprehensive, enabling customers to make bill payments, transfer funds, and monitor their accounts effortlessly. The mobile app is user-friendly and provides a seamless banking experience on the go.
Interest Rates and Fees: Capital One offers competitive interest rates on its financial products, ensuring that customers can maximize their savings and investments. The company is transparent about any associated fees, providing customers with a clear understanding of the costs involved. Capital One's pricing structures are in line with industry standards and offer value for money.
Security and Privacy: Capital One prioritizes the security and privacy of customer information. The company implements robust security measures to protect customer data and maintains strict privacy policies. With a strong focus on fraud prevention, Capital One provides customers with peace of mind and offers dedicated support in case of any security breaches.
Rewards and Benefits: Capital One offers attractive rewards programs and benefits to its customers. From cashback rewards to travel rewards and loyalty programs, customers can enjoy the flexibility and value of these offerings. Capital One's rewards programs are competitive and compare favorably with those offered by competitors.
Financial Education and Resources: Capital One is committed to empowering customers with financial knowledge. The company provides a wealth of educational resources and tools, including blog articles, guides, and interactive tools, to help customers make informed financial decisions. These resources are easily accessible and highly useful.
Community Involvement and Corporate Social Responsibility: Capital One actively engages in community initiatives and demonstrates a strong commitment to corporate social responsibility. The company supports various philanthropic efforts and partners with organizations to make a positive impact on local communities. Capital One's sustainable practices further contribute to its reputation as a responsible corporate citizen.
Overall Rating and Conclusion: Capital One excels in providing a comprehensive range of financial products and services, coupled with an exceptional customer experience. With competitive interest rates, robust security measures, attractive rewards programs, and a commitment to financial education, Capital One stands out as a top choice for customers. While there may be areas for improvement, such as further enhancing the mobile app's functionality, Capital One's strengths far outweigh any weaknesses. Overall, Capital One is highly recommended for individuals seeking a reliable and innovative financial institution.
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3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Capital One. Make it specific and clear, such as "Unauthorized Charges on Capital One Credit Card" or "Capital One Account Closure Without Notice".
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