Capital One – Page 30

My name is Shereka Mosby and I was a customer with capital one for years. I spoke with a representative in June about setting up $100 a month automatic deductions until account paid in full, but there's been an ongoing issue with whom provided incorrect information on the call. I was not able to pay for months and when I was able to do so I resumed payments. I told this representative I was in the process of buying a home and for an error such as missing a number on checking account, it is your word against mine, because I requested resolution letter and Capitol one has yet to provide one and filed in July. You've reported me to credit bureau as bad charge off when I actually called to set up these payments and received letter in june after Ist payment that did not indicate you could not process June due to incorrect info, but you will deduct on the account as requested. People set up automatic payments so they dont have to call, and this has lead me to believe you should never set up automatic deductions because of errors like this. I also tried making the $200 payment in july but representative stated not to and wait for resolution letter which I never received. This is the only account reflecting negative and I'm sorry that I was excited to get my life back on track, and let your representative get distracted and she did not do her job that day. With Capitol 1 advertising what a great company you are to have, I've dealt with companies that dont have your "credibility " and they dont treat customers this way. All I'm asking because of this mix up is to report fairly to the credit burea, because I have not received correspondence regarding resolution and unsure if capital one is being honest about what happened on the call. I should not have to suffer because of someone's incompetence in your company. Especially when it can effect people and they are trying to do the right thing. I sat at my desk that evening and paid everyone with the same info, but you are the only company that did not obtain correct checking account number. Also the only company reflecting all this negative things on credit report, when I was able to catch up on my payments and it was not processed correct

I've spent days and have made multiple calls to Capitol 1, no one has been of any assistance and have been unprofessional telling me not to make payment in July, I dont receive a letter and my account is worse than it started before the investigation.

Please call me on my cell anytime I need to resolve this. [protected]

when capitol one bought out synchrony bank and the systems got switched over, i made my minimum payment then set up auto pay. when i realized it was for the same month, i canceled the payment for that month (as i had already met my min.) and let it be from the next month on...then i realized they were gonna take 2 payments the next month, so after getting THAT straight, i thought...the very next day i noticed that the payment i CANCELED was processed anyway...I'M SORRY THAT IS ILLEGAL... when the account was switched i was told no payment was due...capitol one had NO RIGHT to take a payment i had CANCELED and if this can NOT be made right as it has already been taken out of my account...putting it back WILL NOT solve the problem...this company has committed a crime against me and i want justice...don't know exactly how i'm gonna get it...BUT REST ASSURE I WILL

Hi, tahanni daniels
This email is to inform you that your loan application has been successfully approved up to $8000. So in order to get your loan amount into your account, please kindly give us a call back on our number +[protected] for the loan verification. Once the verification part has been completed the loan amount will be transferred to you through wire transfer or online banking

Please read the loan documents we have attached to this email, if there are any queries please feel free to contact us at +[protected]
Supervisor
Capital one finance

Approval letter included as pictures

10/18/2019 - I would greatly appreciate it if I could explain my situation to someone who has a clear understanding of the english language and communcate in a effective manner. I just need to speak to someone to request an extension on my auto loan, due to an emergency. I've had this loan for over three years and never been late.
Would greatly appreciate a call back.
Thank you in advance for your assistance.
Tamaria J Foster

I am writing today because I have never in my life had worse customer service from any company I have dealt with.
I have been a Platinum Capital One Customer since 1997. I have not had a balance on my card for some time and I received a bill for your annual fee of $19. I made this payment however it was received late so I was then billed $90 for late charges, finance charges and what every charges you can attach to your fees. When I called to ask to have this charge removed I was told they could only remove the late payment and finance charge so they dropped the new bill down to $57.50.
I was so frustrated with your customer service I cancelled the card. I then called back and asked to speak with a manager. I spoke with a lady named Joy who told me she could do nothing. I asked then to speak with her manager and was transferred to Debra Agent# GEJ848. She assured me she was the senior manager and there was no one higher I could talk to. She was not willing, or as she said she has no way of waiving that fee. I find that hard to believe. Your senior managers have no way to waive $57.50 for a customer that has been with you for 22 years and paid over $400 annual fees on a card I don't use.
At this point, it isn't about the $57.50 that I do not intend to pay. I will however let everyone I know how Capital One treated a 22 year loyal customer. I sure hope it is worth the $57.50 that I do not intend to pay, losing my business as well as my friends and families business.

Leslie Post-Wood

Setting up my app & online account required entering an access code they would text, but their system would not recognize my phone #. Multiple calls to customer service and online tech support took a lot of time and several days delay due to their procedures. I was told I could register a complaint on their website, but after some time couldn't find where & even entering words like "complaint" or "customer feedback" nothing comes up. I've NEVER had so much trouble with a financial institution & even branches of the fed government like Social Security & Medicare text security codes to my phone# easily. Totally ridiculous.

I mail a money order on the 6-28-2019. The money order was cash in the 7-05-2019. This money never was apply to my account. I track the money and fax the information to the company and no action have been taken to my account. Every time I call I get no help. Several different people told me credit department have cash the money order. I have a proof of the money order. Do I need to file for fraud.

Dear person in charge,

I am reaching out via email to hopefully get help this way. I submitted a claim in July because a computer store called "Vellve Systems" screwed me over. I gave them my Apple MacBook to fix, they replaced the motherboard and fan and threw away my parts. Nevertheless, the computer was still not working. A whole month later, my computer was still not repaired. To not waste more time there, I picked it up even though it was in a non-working condition. They wanted to take out the parts and give back to me a computer without any parts in it because they don't have my old parts anymore. I was not okay with that. A computer should be given back the way they received it from a customer. I tried to find a solution with the owner but unsuccessfully.

I filed a dispute with Capital One to solve this issue. I was promised they will help me to get the money back. From July till now I received three letters from Capital One. First letter was to inform me that the merchant has been contacted and that I need to wait up to 90 days for his reply.

Second letter was a notice that more documentation is needed from me. Letter was dated August 15th, I received it in the mail on August 20th and uploaded all the necessary documents to the link that was emailed to me. It was uploaded on August 21st.

Third letter I received was on September 19th saying the case is closed because I didn't send in the documents on time even though I did submit them on time! And I have the confirmation letters as proof.

I called and they reopened the case. I submitted more documents they were asking for via an email link on 9/30 and 10/1 .

Then I get a phone call on 10/01 that my case is closed again because I didn't submit my papers on time which should have been submitted by August 3rd! That is the first time I hear that I was supposed to submit something by August 3rd. That was the time frame when we were waiting to hear back from the merchant.

I have a feeling Capitol One is trying to find ways to not help me get my money back.

On 10/01/19, I spoke to the account manager Lindell, HUW715. He was not very friendly and not helpful. His first excuse was that the letter from the IT store is not giving enough detail about a second opinion. But they have explained everything in this letter, which he realized after reading it. Then he changed his excuse to that I submitted my papers too late. Which is a big lie! He was clearly making things up to not have to do any work. I will attach all three letters I received from Capitol One. Again, I have been submitting everything on time.

I am very disappointed in the service I have received so far. Vellve System is trying to keep my money for a non-working motherboard they installed. My laptop never got repaired and I can't get my old parts back since he has thrown them away. A second IT store confirmed that my computer is still not working due to a conflict with this non-working motherboard. Another repair will cost me $300.

I am so frustrated and disappointed. I hope I can get help this way. I will attach all three letters I received from Capital One and my case number:
Case: [protected]

Please check my case # and you will see that I had submitted all documents on time.

Let me know if you need me to submit anything else to you.

I hope you can help me to get my money back. It is not fair to charge a customer $407.55 when they never repaired my laptop and are not returning my parts.

Best regards,

Nicole Lindner

I called seeking a deferment on my auto loan. Do to my area being flooded during tropical storm Imelda. During the first call I was told that a deferment was an option I could use but was told that it would come with a large amount of interest toward the end of my loan. I decided not to take that option at the time and called back and spent nearly an hour on the phone being told that I could not get a deferment and that I had miss heard the first agent. After being escalated three times I come away from the interaction feeling that Capital One cares more about arguing semantics then taking care of a customer that has never missed or been late on a payment.

Gregora Agent sba226. I wasn't expecting the service that I received today. I'm thankful that I was not only able to speak with her agents, but had a wonderful encounter Gregroa. Who was kind, patient and took the time to understand my need. The agent I spoke with under her had ultimate customer service skills. I could really tell from talking to Gergora that she not only sets the expectations, but she also uplift them to the fullest. I really appreciate her help, kindness, and patient.

eric marshall spoke to me as a certified personal aswell as his helper brandon thomas 0n 8/19-23/2019 referring to a loan from capital one fianance dept.in the amount of 800.00 hundred dollars. there number is 330-737-3909 PS Norman charles contact me if needed [protected].. as of this 8/17/2019 im responsible to pay the funds bac too my bank. this is un fair to me look into these matters asap...

In August I had a balance of 295dollars. My account had been hacked I spent 142 dollars on account a person in las Vegas charged the remaining. I called capital one played what I owed and we resolved the issue of the remaining, they issued me a new card I called to activate my new card they closed my account. I have been a very good customer I purchased a car with them had a account with them never did I make one late payments. So I told them well I want write that but I was very upset and hope someone else sees this and doesn't use their services l sure want they lost a very good customer.

I called in about my high interest rate on a card with 6k limit. I was told by a rep that I had a promotion with a new card and will get 18 months free interest with the upgrade. To my surprise I was happy and decided to upgrade. After a few months I noticed I was still get charged interest after receiving my new card. I called customer service and they were no help. I asked for a call review and I was told a 4 to 5 day turn around after being lied to by an agent who told me that they listened to the call while I was on hold which was a lie. After not receiving a follow up on the call review as I was promised I called back and get another agent who said they are not going to review the call remind you after I was told they would and another agent lied and said she did. At this point I am furious with Capital One for the lack of Customer service and the lies that their agents tell. I have never missed a payment and I am a good customer. I want corporate to know how terrible Capital one is to their customers and I am going to have to take legal action at this point. Capital one as a business should be more professional.

So I lost possession of my wallet, and all my belongings inside of it when my motel room was broken into, while I'm working out of town. I had my bank account linked to my capital one account to pay off my card completely, to use my capital one card which I had on my Apple Pay. They put a hold on the payment for making multiple payments in the same month (never was an issue before) and refused to help me when I'm 200+ miles away from home knowing that I had little cash in my pockets and no access to any of my other major credit cards. The lady said there was 2 ways to release funds to my account. 1, was to call the bank, the bank was closed... it was 6:12 the bank closed at 6. The other way, she did not tell me how but did mention something about how I was stranded with no money or access to any credit cards besides the capital one card (only card I have on Apple Pay) that they should be able to release some IF NOT all of the credit I had pending availability. (I had payed it all off!) typically it takes 24-48hrs depending on what time of day the payment posts. Well I have to wait another WEEK before they release the credit which is supposed to happen on September 12th, today is barely the 6th. And my payment posted yesterday morning around 11am. I will never be using this credit card again, the way they treat their customers, I don't feel like they were obligated to owe me anything, but putting a hold on my payment is really screwing me over. I have less than 1/4 tank of gas. It got up to 103 degrees Fahrenheit today. I hate these people now. And I just started actually liking the damn card. Oh well. Onto my next one

Date of Incident: 9/3/2019

After being let go from my job, I tried to call Capital One to negotiate a payment plan for a credit card with approx $9k balance and ~20% apr. They would not either lower the interest rate OR allow me to enter into a fixed settlement plan.

On top of this, they charged me a late fee because they moved my billing cycle due date up! I had made my payment on time 7 days before 8/23/19, and then they expected another payment again on 9/1/19!

When asked for information on how the decision making process works, they refused to tell me. They simply said, "Sometimes there are offers there, and other times there arent." Like WTF? We are now playing a game of chance? How is this legal?

I have been with capital one since last year. Got approved for a secure card for $200.00 which was my security deposit and I only got a credit increase once. I payed my mthly payments on time every mth and I haven't got an increase as of yet for the past 8 mths. I decided to applied for an increase and they denied me talking about they dont do credit increase for a secued card. This is straight [censored]. That is unacceptable. People is making their payments on time and still cannot get an increase. You guys is the worseeeeeee... I will never support you all again

In June of 2019, my 2009 Chevrolet Impala was deemed totaled by my insurance company, Geico. I had GAP insurance on the car through PRCO insurance and they paid off the remaining balance of my loan through Capitol One Auto finance. They were overpaid by the sum of $907.88. That payment was made on July 10th 2019. I wrote them emails and now have called them three times, The last call was on August 14th 2019 asking for my refund. I was told initially that they had my old address and that my money would be sent, I explained that I was hot happy with the fact that they had kept my refund now more than 30 days and that I expected to receive my money in seven to 10 business days from August 14th, but I have not. I want the money that is due me. I will take whatever steps are necessary to ensure that I get this refund.