Capital One – Page 28

Capital one froze my account and can not give you any date or time as to when it will be resolved causing continued hardship to my life and business. they need to be investigated as well holding on to my money for months talking about they still investigating. what are they investigating? The money belongs to me and its just unreasonable that I can not get any answers on my account. I just need my money and Capital one I believe are the cro

Mid year 2019 my bank account was hacked and I got behind on my Capital One credit cards. January or February I caught my accounts up. March 2020 COVID 19 took place and I still kept may account up to par. Capital One CHANGED my due date from the 24th of the month to the 4th of each month. September 2020 I was sent a survey and I rated them outstanding. Paid my September bill on the 12th and had to pay an outrageous amount on both accounts so I did. I did because it was late, a simple oversight on my part, however I thought that was a one time thing, people forget. I get my bill for October and never look at it because of the trust I had in Capital One it was good. Since it was Capital One and I felt I had great rapport with them, I didn't see any reason to believe anything but good of them. I go online 10/03/20 to pay my bill to make sure it paid timely this month and it's the same outrageous minimum due amount. I called customer service and the rep said I missed a payment. I said I've never missed a payment. I may have missed the pay date but I paid that month (September 12, 2020). Capital One going on about helping people during COVID 19 and they do this to me? I was behind for several months in 2019 and they never increased my minimum amount due. I get caught up and the one time I don't pay exactly on the 4th and my minimum amount due is increased. They increased it from $50.00 to 60.00 to $125.00 because of 1 month's payment wasn't made exactly on the 4th... and they tell you they CARE! I don't think so anymore. The customer service rep cancelled my card as requested, not even considering my history and that's that. I do not plan to do business with Capital One again and the customer service rep made it clear in the attestation read to me that I can never open the account up again. Well I'm fine with that Capital One... yes, you care so much. You care about succeeding that you accomplish your project to fail your customers.

On September 25, 2020 I decided to login to my capital one account for a couple reasons. One because I kept receiving emails saying that my account qualified for an upgrade. Two I found it a little strange that my credit limit had gone up without my knowledge. When I couldn't remember my password they sent me through a verification process and they were unable to verify who I was due to the fact that they did not have my current phone number on file. So I called the one 800 numberAnd they went through a verification process and couldn't buy verify me there either. I was just told to submit copies of my state issued ID both front and back. Then they would be able to verify my phone number. I said absolutely not, they could've asked to verify the spelling of my name which is a common problem my birthday was verified several times so was the CVV on the back of my and I was still told to provide my state issued ID. I am not sending that to anyone over the Internet. When I ask for other options I was told that that was the only option I had. I asked them to close my account which they did. However they did not ask me to verify my identity at that point. So you have to verify your identity to update your phone number but not close your account. That makes no sense to me. I asked for email verification of the account closure was told they could not do that because my account is restricted because I refuse to provide them with My state issued ID. They will send it to the address on file. However they told me they were not able to verify my address or my identity. I am done with capital one.

This credit card is a joke I would give it 0 stars if possible I applied for it and was approved with a low starting out limit to try and help build up my credit afterwards I got a couple more the other ones have already upped my limits without even having to ask because I have never been late after asking this one they refused however the excuse was because I have only been making the minimum payments really? But never late they should like that it's more money for them

9/15/2020

I was trying to pay my bill and online and when I clicked on 'pay bill", I was asked to input my bank account that the money for payment was coming from. I have been paying online for years, so I inputted the same banking account (routing and bank acct.) and when I hit submit, a message popped up stating that this bank acct. Info was already in my profile and ready to use. I again clicked on 'pay bill' and again, same message asking me to enter banking acct. Info for payment. I did this several times and kept asking me the same question. I have always enjoy online banking as I can go in and take care of business. Called the 800 number and spoke to gobbie and I told him my whole experience and told him I was very dissatisfied with the service of me not being able to pay my bill online. I told gobbie to make a note in my account that once I pay my bill in full, good riddance capital one. Paying my bill online should always be an easy in and out. Horrible customer service and horrible handling of situation! I do not recommend capital one!

We have been with capital one for 15+ years using checking, savings and 2 credit cards. Recently we wanted to purchase hearing aids for my wifes father at sams. The cost was nearly 5k. The charge was flagged for fraud! While in line after the first attempt, we called capital one and the representative had us try 3 more times with the same card while they were on the phone with us. It failed each time. Capital one then informed us that because we tried 3 or more times that the flag could take 1-2 weeks to get removed. So I tried my other card and it was flagged. I had to call capital one again and while on the phone, I had them fix the issue. After nearly 1 hour I was able to use our second card. The issues are that the original card is the one we use all the time because of 1.5x miles has now been suspended. We have all our recurring bills placed on this card! What a hassle. So we are probably going to move to a different banking and card company. Especially after we call capital one while driving home and he stated that the conversation would be recorded for training purposes. I said great, so am i. The representative asked if I was recording and if I were he would hang up immediately! How ironic, they can record us but we can't record them. This experience was horrible all around! Help!

Capital One seems to allow algorithms to filter our accounts for possible fraud activity. This is appreciated. Unfortunately, about every TWO months the algorithms trigger an alert that FREEZES our credit card. We live in the United Arab Emirates(Dubai). Fortunately, we have NEVER had any fraud on this credit card despite the regular alerts and account freezing. Today when our account was frozen I called in. On an international call, I eventually got the fraud department. I uploaded the required documents and the 'manager' confirmed receipt of the documents. I then asked why so many fraud alerts and account freezing. No explanation. I begged the 'manager' to go ahead and have their people unfreeze the account since they had the required documents. All the 'manager' would do was to quote me the policy of 7-10 days to resolve any fraud alert account freeze their algorithms set off. I explained this was our primary card. I explained it is a Covid world now and in the UAE we are discouraged from using cash. All the manager would do was quote the policy.

I called back in about 8 hours later(again on an international call) hoping the previous 'manager' would not be on duty. I eventually got Ms. Whitley. This lady heard my complaint. Answered my why so many alert questions. And in about 30 minutes got the fraud freeze thawed and our cards working again! Why can't Cap One fire all the other managers and hire more Ms. Whitleys? She actually resolved what for us was a serious issue and seemed to care. The previous 'manager' didn't really seem to be able to do more than quote policy.

Cap One your algorithms are messed up. Please fix them or find some other more effective way to serve your customers who live and work overseas.

THEY S..K! Received a letter today, dated 8/25/20 which happens to be my B/D, from Capital One! Says: "IMPORTANT INFORMATION ABOUT YOUR ACCOUNT!" Dear Richard D. Blackmon, Recently, during a regular account review, we noticed you've only been using a portion of your credit line. To better fit your card usage, we've reduced your credit limit to $2000.00 dollars. We have kept your credit limit significantly above your highest balance over the last 1 year to ensure you can continue to use your card as you have been, while providing flexibility for future spending. Thank you for being a Capital One customer. We look forward to continuing to serve your needs. Sincerely, Capital One
Went online to close my account but after going through the process it says it couldn't finish it and to try again later. What kind of bull crap is this? So when I called and got a human being, which is unbelievable this day and age, I told the guy the above story and to close my account. He says I have been a customer since 2006. I told him I had an $8000.00 credit limit and now your are reducing it to $2000.00 dollars just because I haven't added thousands of dollars of purchases to my account? I told him KISS MY A.. and make sure to close my account! BUNCH OF B...! Supposedly the call was being recorded and I would love to hear what the higher upper [censored] thing of this f... bull crap! Told guy you will never hear from me again as I will never apply for their credit card the rest of my life.

I have an account with capital one 360 that has over 15,000$ in it and capital one is forcefully with holding my money has put me in a bind and they keep giving different excuses why they are holding my money the state of Arizona and Nevada are saying that they paid me for services I have rendered two of jobs I have done for them I travel all over the USA doing construction work

I apply for a card, I was told i, m a fraud, the only reason I was call a fraud is, that I did recall the last place I staid you see I been here at this address over thirty years, he told he was trying to look out for me by puting a freeze on my credit, on the app I put my mother maiden name, my last job, my social security number, ask what car I have, it not right some one can put on your credit, you can not talk to some one about, I told I apply again, that crazy when this person say you a fraud, like he god, that not right.

Capital one took over my Walmart card In Jan 2020. I did not authorize this card after $4, 000 charges were made in 1 week at Walmart's in Florida I was in England after 7 months of long distance phone calls 5 letters BBB contacting them they are refusing to change the balance which was $500 now over $4, 000 I am charged later payments interest & now my credit score has dropped 65 points. I am in lock-down in England I have lost my job & apartment because of Covid They have done nothing to resolve this issue and seems many customers are dealing with the same problems. I have never experienced such an unprofessional company that has no empathy for what most customers are dealing with at this time. Karma to Capital one for the way it treats it's customers

I Paid off my cars earlier this year and still haven't received the Title. I have called numerous times and all I hear is we are working on it. I have moved to FL which requires a copy of the Title to register the car which I obviously cannot do. AS of the 27th of this month my cars will be illegally on the road as I cannot extend my temporary plates a 3rd time. I will be engaging a lawyer.

Saturday, July 11 2020. My goal; redeem reward balance of 9399 for $93.99, and satisfy a $19.00 renewal fee. Kala speed talks me into an irreversible action that penalizes my rewards down to $57.00 and tells me capital ones system is at fault... Line goes quiet... I'm now on hold for another operator... Who decrees capital ones system is at fault. This representative prepares a check for the balance of the rewards and now declares that to be $32.00. Capital one now has clipped me for about $45.00. If you were at a restaurant and asked for a glass of chardonnay, and the server chose a $50.00 glass over the $9.00 house wine, didn't give you any guidance, let you drink it, and told you it was irreversible. Do you think you would be willing to return? What's in your wallet. Obviously nothing. Sleazy! Deceptive! Customer hindrance dept. And worst yet... This is their training and performed as trained.

I've never had such a run around in my tire life and has so many employees lie to me I've been in management for over 30 years 90% of their ploy ease light and they were not in the United States and didn't understand what we're talking about Rumor on the street at the route gonna be a little longer and I'm going concern due to the [protected] Lawsuit if you're smart take your money and run this and that this has not been announced yet but it's coming they've ripped off consumers almost $1 trillion

Recently I was charged interest when my payment was 2 days late (no fault of mine but some problem with my internet banking. I have been a capital one credit card holder for about 10 years and I have never missed paying my entire bill every month. They say on their website that they are interested in helping people during this time of covid but when I called they first offered me 30 dollars off (they also said I pay my balance "most of the time" which I corrected them to EVERY month I pay the entire balance and I have the statement to prove it) and then after I said that I would leave them to find another credit card I was offered 50 dollars off the interest charge. They clearly a) have no sense of customer service or loyalty and b) really don't care about how covid is affecting people at this time. I am terribly disappointed at being treated this way after being and EXCELLENT client.

I have been a great customer since 2013 I pay my bill on time they have not gave me no increase at all. They don't have complaint department they rude as hell don't know how to speak with someone. They don't give you know answer to why you don't get increase on the bill. I spoke with them and they are liar cause they gave my daughter platinum card she didnt request. They gave my daughter increase all the time she went from 300 to 2000. I have another friend they got one 10, 000 somebody else 2500. They are worst company in history that have done me like this. I feel like they dont give damn about there customer at all. All them can go to hell.

Capital One refuses to accept overseas phone numbers as part of user profiles. They recently mandated a two-factor authentication requirement that only allows US phone numbers as the second factor. So if you're a US service member stationed overseas, with a phone number local to the country you are stationed in, you are unable to establish a second factor, and therefor can't access your account online. After 40 minutes of conversation with a service rep and then a supervisor account service rep, I was politely informed that sorry, me and every other service member or American living overseas without a US phone number are just out of luck. But we can call from our overseas phone and get charged overseas rates if we need to manage our account, check charges, make payments...like it's 1970. So after 20 years as a customer, what choice do I really have - I've cancelled my account and will use my Chase and USAA cards that allow me to manage them online.

EVERY time we use this card we get a fraud alert and then have to give drivers license, social security. I am on the account but they insist on speaking to my husband who doesn't have time to deal iwth them. We have the GM card and want to buy a new car and so wanted to use this but not worth it. DO NOT USE THEM. Save yourselves. We ask to speak to a manager but then wait 30 minutes.

I've sent a bank transfer for a secure pre paid mastercard with CapitalOne. After a long call with an assistant on the phone who was just like a robot wouldn't hear a thing I said. Account never was open and then they closed the file. I asked for them to send back the secure fund money transfer back to my account and they refused! They said their rule is to post a check to an other persons name (to whom I was helping due to difficulties with covid and cannot travel to post office hence cant pick up card which I was assure didn't need to was going to be send by mail only due to covid) who didn't send the secure funds.

I called my bank to recall the money (awaiting process) and called the Service Canada both told me the same, refund should be sent back to the person who made the payment in the same way it was sent.

I never had an account with them and the deposit was for a secure card that never was activated for someone else who closed the file. Whom ever pay is the one getting the money back there's no other way around this by law!

I NEED MY DEPOSIT BACK TO MY ACCOUNT ASAP! Capitalone rules are voided when ILLEGAL in Canada financial laws, period!

Reference number to send back MY money: [protected]  ASAP!
[protected]