Capital One – Page 3

I have two Captial One Cards and one is a $300.00 LOC the other is a Walmart $500.00 line of credit.

My shopping at Walmart was interrupted for the third day in a row, and I did place about an order, but neigher Walmart nor Capital One could answer what I purchased today.

I was hung up on rather than being referred to Bank's or Walmart's data center for clarification.

My experience is Absent: Dignity, Respect, Good Faith, and Fair Play. I should be able to ask reasonable questions a BANK who does business with one third of American Households.

Without notifying customers, C.O changed the Bill Pay software and the way it worked for customers. In Oct 2023 they removed the prior set-up of allowing customers to organize bill pay into categories from the drop down menu.

I had mine separated into Annual payments-Home & Life Insurances ---Monthly bills--Family bills--Charities. As payments were made, I would write notes to include the amount paid, when, balance due & Memo. The Bill Pay allowed an actual Checkbook Tabulation Account that worked cohesively with the Checking Account. It stated before sending how the payment would be made, electronic or paper check mailed. Also the Checking Account displayed my written notes within the Memo and showed a pic of checks cashed as a reference to discuss with Vendors.

Now ALL the above has been removed! C.O. cannot even produce a record to me of where they sent payments electronically. I have a $39.41 Late Fee from a Vendor that used to get payment within 3 days. C.O CANNOT tell me why payments are not going electronically. Today I called about another payment now 5 days late due to it being sent by Mail. Why would I want a Bank to mail a check for me? If so, I would know that, but C.O has made the Bill Pay service UNUSABLE.

The Manager says she wrote for them to refund my $39.41 back, but that was 4 weeks ago and nothing. I will after 25 yr be moving my monies to another bank that can service everyone esp Military. I have an impeccable credit score, yet Capital One will destroy it ! M Polk-NOLA

You people are the worst to have to deal with for resolving issues!

I have spoken to several people, in several different departments, over the past 2 weeks to try to simply obtain the documentation on the transaction in question - I need documented proof that the payment you presented to the Payee, at my instruction, was presented on a specific date and time, and the payment (physical check, I am told) was returned on a specific data and time - I want the electronic date/timestamps of each step of this transaction plus copies of the front and back of the supposed physical check.

You are after all a bank, and banks are required to keep detailed records of all transactions.

DO NOT respond with the garbage below (three times you have done this) - I want documentation.

Paul R Williams

On 11/17/23 13:13, [protected]@capitalone360.com wrote:

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> Re: Claim [protected] for your account ending in 0808

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> Paul Williams,

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> We finished researching your dispute, and following a review of all relevant bank records your claim has been denied for the following reasons:

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> We found the payment was processed correctly according to the payment instructions you set up in the Bill Pay Center.

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> The payment(s) was returned to us, and your checking account was credited on 11/02/2023.

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> To request copies of any documentation we used to make this decision, give us a call at [protected], 8 a.m.-11 p.m. ET, 7 days a week. We’ll be happy to help you.

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> Thanks for choosing Capital One®.

After paying off my $2k balance , they decided restrict my account but yet can’t verify my ID in a timely manner but won’t send my $2k back! Since if I knew they was going restrict my account, would have never pay it off in full. ? the customer service phone is NO help. I get place on hold and hardly they ever come back to the line. It’s exhausting going back and forth with capital one!

I am very dissatisfied with Capital One (CO) procedures for regarding “Bill Pay stop pay/reissue check procedures” and after my lengthy phone conversation today with two representatives that did not satisfy my expectations, I have now decided to complain to “Upper Management.” Outlined below is what happened and how I suggest it should have been handled.

On September 15, 2023, I bill payed Rooter Man (RM) $1,620 and $189 ($1,809 total) and they say they never received the two checks. Last month RM called me about not receiving the checks, so I called CO (with RM on the call also) just to prove to RM that I already had bill paid back on September 15. During the conference call we decided that it might just be “slow or temporarily delayed mail” and that RM would just wait a little longer for the checks to arrive. Yesterday, RM called and said still no checks, so I called CO and they said that they would “stop pay” the two checks (no fee) and I should reissue the checks through Bill Pay (which I did). Today, I noticed that my account had been debited those two “reissue checks” ($1,809 total) again, and this is wrong for CO to do this! I just now called CO to discuss the situation, and was told that it could take up to five business days for the $1,809 to be credited back. This is not fair to me, and CO should have immediately given a temporary credit of $1,809. My logic, “first of all” the checks have never even been cashed and now CO is debiting me again (now double)! When someone writes a check and mails it, the check is not debited until the check is cashed, meaning “cash flow.” Second, there is a process now going on (Back-office CO) to investigate, etc. and these things are a “cost of doing business” and I understand. However, don’t financially inconvenience the Customer, as they will have to figure out how to “cash flow” because CO debiting their account twice! I get it, it’s probably not CO’s fault, as the postal system probably caused this, however I know that it’s not my fault and you are inconveniencing me, your Customer with “very poor Customer Service Procedures.” This also makes me think that CO has figured out another way to “nickel and dime” their Customers’ just to increase their “bottom line!” Just in this one example, CO will pay me about $0.02 less interest in my Checking Account this month. I do wonder how many other Customers have had this type of problem because that “$0.02 really adds up!”

Example: 30-day month, $3,600 average daily balance, changes to only $3,299 (5 days to get $1,809 credit) and at 0.1% Interest, that’s about $0.02! Maybe I was going to use my Debit Card for a $1,809 purchase, but now I can’t because my Account does not have the funds to cover it. Now, I will have to transfer from my Savings (which is 4.3%) to my Checking (which is 0.1%). What CO is doing is not paying Interest on money for “up to 5 days” and this is wrong, and also adds up over time! Pretty slick, as it is “just another way” the Financial Controller has found to save paying some Interest to Customers! BTW, 4.3% Savings is better than 0.1% Checking, so that 4.2% difference would now be $1.05.

Bottom line, I feel this is wrong on every level and will continue to voice my displeasure, as I feel that CO is not treating the Customer in a fair manner. Look at how most Credit Card Companies handle fraud or possible fraud, and the way CO handles “Checking Bill Pay issues” is different. This is not about the money (I don’t have a cash flow problem) and you can see I keep much more money in your bank than an average Customer, however it is about “what I feel is bad business Policy by CO!” CO needs to correct this problem.

I expect a response to this complaint within 14 days.

I, Catherine A McGill, closed two savings accounts in Feb 2023. After waiting two weeks and not having received any money, I attempted a call.

The accounts were high-yield money market accounts.

1. account # [protected]

2. account # [protected]

After calling dozens of times every two weeks, I finally received one check on July 12th.

I have since made over two dozen calls and still have not received the remaining funds.

I have also filed a Better Business Bureau complaint ID [protected]

and a Capital One CID: CC-[protected]

I still have not received my money.

I have been lied to several times being told the money was sent out, and no one can account for when and where it was sent.

My current address is 71 Crooked Island Circle, Murrells Inlet, SC 29576

My previous address was 916 Pebble Lane, Murrells Inlet, SC 28576

Capitol One notified that they detected fraud on my card, I confirmed the charges were not mine. Capital One then turned the card off. I paid my authorized charges & should now have a balance of zero. Why does Capitol One continue to bill me for the fraud charges & recurring late charges? This has affected my credit score. I need this resolved & repair made to my credit score. Thank You, Mr. E. White

The very first alert setting upon first pension deposit was changed from mobile number with all alerts enabled to a landline without permissions. For the duration several suspicious transactions online banking. Problem with credit card transactions and payment posting from connected banks. Online account menu options disabled and missing menu items. Negative alias credit reporting to Experian causing credit report stress and high-risk status. Inaccurate credit card postings and late statement and inaccurate calculations reported on statements causing stressed reporting during security freeze/fraud alerts. Credit theft on platinum secured 200 limit master card. Card maxed out past 200 limit approved incognito for up to a thousand with out my knowledge making overall debts double causing extreme credit report stress and impact. Several attempts to solve issues with no result. Photo evidence and paperwork due process to corroborate.

I had fraudulent activity on my capital one credit card. I disputed these transactions and couple days later they were recharged to my account. I called capital one multiple times for help and all they can say is that their investigation shows that I am the one that made these charges and they don't believe it was fraud. There was nothing that they could do to help me. The charges amount to a little over $1,500. When I was talking to the manager of the fraud department, he lied to me. I was talking to a previous representative that told me a charge was "contactless" and the manager told me that it was not contactless. He continued to lie about these charges saying that he doesn't have any information and if he did, it would not help my case.

I made a deposit of 1,586 on Oct 18 th which I was told last week the account was closed on the 20 th of Oct. I kept calling them in the messed up fraud Dept nothing but Lies. I’m not the culprit here so why should I have to be subject to this. I f I can’t access my money tomarrow on Monday Nov 6th 2023. And haven’t received a call from Capitol One I’m contacting my attorney. MaNanee and Hosea Jernigan to file a suit this Bank. Only owed for my credit card no bogus checks of any. Thanks Irene C [protected]

good evening,

My name is Jackie Elliott and i had been a customer of yours for more than eight months and I have just recently deposited a check into my checking account. For some odd reason there is a hold place on the check that came from my school as a refund check. This is the same school where i received a $4,430 check in the beginning of this year in February 21 2023. and there was not a hold placed on that check. Therefore, my question is that why does your website advertise that if you make a deposit before 9pm eastern standard time the check deposit would be available the next day, According to your representatives there is nothing that can be done after i expressed that i did not have money to go to work and my bills for my credit cards and other bills are late. Since my check is on hold I have to miss three days of work because of some sort of foolishness that was not present before when I deposited a check at an even higher amount in February 2023. What are my options I even asked for just $20 dollars to be released until the rest of the check clears and I keep getting the same response from the each representative saying that there is nothing that they could do. what happened to providing good customer service and going above and beyond for a customer who has expressed a need for certain things to happen. I need to know who can help resolve this problem

Capital One refused to dispute a fraudulent charge on November 2, 2023 at 11:13 AM MTN time. When I called (as this was the only option given in the initial dispute letter), they disconnected the line after I informed them that the call was being recorded, immediately after they informed me that the call was being recorded. Capital One refused to offer any other means of communication.

I have had to do a dispute on 8/31/2023 cause i didnt get my merchandise i had order and the bank is saying i got to wait for the Merchant and merchant is saying i got to wait for the bank and it has been 2 months and i havent gotten my merchandise or my money back this isnt good for business. I would like to speck to someone about my issue and help get this resolved asap.

I purchased an electric bike using my Capitol One MasterCard.

The bike was not working properly, so I paid an independent bike repair service to check it out. They found all kinds of problems, so I returned the lemon bike to the manufacturer.

Meanwhile, I disputed the charge with Capitol One. I continually supplied Capitol One with all the information that I had and with the Emails that I exchanged with Heybike. Despite everything that I provided, they eventually charged it back to me. So Heybike has the bike and I am billed for it. It would've been so easy, based on the paperwork that I provided to the bank, to do a charge back in my favor.

Every time I supplied Capitol One with the requested paperwork, the agent said that this should be enough and they would decide in my favor in a few days. Another lie was the claim that I didn't get my paperwork to them in time, which I did.

I have been with the bank for 12 years with a perfect record. They did not stand up for me.

My credit card balance in the amount of $636.96 was due 9/17/23. I paid $700.00 on 9/18/23 which was 1 day late. I pay this card in full, on time, every month. My next payment was due 10/17/23, in the amount of $1371.02 including late fees and interest in the amount of $56.41 from the previous month. This payment (due date 10/17/23) was made on 10/10/23. I spoke with a customer service rep to make sure this was the balance in full & paid this amount in full using funds from my bank and with my reward balance. I did not plan to use this card very much in the future. Today, October 31, 2023, I called to make sure they had the correct mailing address and had the address changed, so I would receive statements. I had 2 accounts that are paid through this card that total $49.99 this was all that had been charged and the payment wasn't even due until November 17, 2023. They said it would be $61.80 to pay this in full, but they would continue to charge interest even if I paid it off. They also said interest would continue to accrue. I had $49.00 reversed and I still owe them 99 cents. That is all I intend to pay.

We purchased 3 concert tickets thru Capital One entertainment on GA5. I contacted them same day to find out seat numbers and the never got back. Today (over a month later) then contacted us and told us it was a system issue and they could not honor our tickets (they committed is in their policy/ legit tickets no cancellations no refunds). They replaced our confirmed tickets with very bad ones all the way in the back. This is a reputable company and that is why we booked thru them as we are their customers. these tickets are my 10 year old birthday gift. They need to be accountable and replace my booked tickets with on same location or better one. this is fraud. I am asking you for your intervention. Now tickets are sky rockets and we cannot afford new ones even if they refunded. we dont want refund. we want them to provide similar ticket replacement in the front as agreed with our purchase and their policy.

Cap 1 offered a credit card with great 0% purchase terms. I used the card twice and then they canceled the card. They provide no explanation why. Nor any way to get a clear explanation why. This practice shows a disregard for the cardholder as it dings their credit score for no reason at all. I did nothing wrong. I have a great credit score, pay on time, money in the bank, I own rental houses, and have clear title (paid off) property notes in my file cabinet. Boycott Capital 1.

I opened an account with capital one and deposited a $4,700.00 check! I was told that the money cleared but I needed to verify my identity! Once I did that they told me that they re closing my account because they can't verify my check! But the issuing band did and sent the fund! No one has a problem with this check but capital one! Now they are sending the money from the check back to the issuing bank! It's my account and my money they can't do that!