Capital One

- Date of Incident:
09 Oct 2017
- Description of incident:
******Force to make a late payment******
-Today was the due date for making a payment in my credit card. I tried to make a payment two nights ago but the site was down for maintenance. I tried to schedule the payment tonight and would not let me to schedule the day for today so I end up calling capital one.
The representative that answer the phone stated that although it was still the due date I will still have to pay a late fee. I asked to speak with a supervisor in which I explained the situation to him. He said there was nothing he could do and that the times for due payment are in the app and the website. I proceeded to check my capital one app to see if I missed it and there was no indication of time due on the due date. I told him that I was looking right at the app and it didn't show it. He stated I can get someone to walk you through I which I reply that I was looking right at it and that he should look at your own app (all besides the point).
As a supervisor they should speak with facts not just false statement to make the company look good.
All I wanted is just to avoid paying a late fee, as a representative of CAPITAL ONE and a SUPERVISOR he should not have gotten confrontational with me and find me a solution (I AM STILL TRYING TO MAKE A PAYMENT ON THE DUE DATE)
This is not right for a customer to be treated this way and much less to be force to pay a late fee when is not late yet.

- Desire Resolution:
I want a refund if charged with a late fee.

Please feel free to contact me:
[protected]

Attached images show no time to be due ONLY DUE DAY. Which is still today.

I made my payment on 9/28 using my mobile app (as I have done for YEARS) using the exact same bank account information that has been set as my primary payment account FOR YEARS only to discover that my bank account information had been deleted from my account. I attempted to re-enter the routing and account number only to receive an error message.

I called my bank. There is no issue on my bank's end. My other payments using Chase and Visa mobile apps went through without issue and my bank account information was still linked to those accounts.

I have called SEVEN TIMES to be sent to IT who claimed they fixed the problem and accepted my payment online on 9/28. The payment was returned on 10/2. I attempted another payment on 10/3, and was told that would be returned again.

I called AGAIN and was sent to a senior account manager (Dylan at ID: ACJ432) who ASSURED me he would 'Call me with good news' the following day at 12:15 pm. He did not call.

I called AGAIN on 10/5 and was given NO EXPLAINATION, sent to ANOTHER senior account manager who was incredibly rude, told that I could not be connected to "Dylan" and then placed on hold for 15 minutes and hung up on.

I need an explanation as to WHY my bank account is no longer able to be linked to my Capital One account to make payments. I also deserve an apology for the inconvenience and multiple suggestions that I've had return payments in the past. I pay early and above the minimum EVERY MONTH. I also need this issue rectified prior to my payment due date as I WILL NOT pay charges for late payment because your company can't figure out it's own technology.

Erin Ryzyi

Greetings,
I applied online for a new credit card today (September 27, 2017) with Capital One. I was approved for a very small credit limit of $300. I called the customer service number to see if I could increase it, as it's for a balance transfer. After the automated system got through with me, I had to repeat the same information to a guy with an accent I could barely understand named "Jeff." There were children crying in the background and I couldn't understand him at all. I got frustrated from asking "what?" over and over, so I hung up and tried again. This time I got another guy named "Jeff" with a slightly more intelligible accent. I asked if he could increase my credit limit, and he said I'd have to try in 3 weeks with the "automated system" and that such a matter couldn't be resolved with a human being.
Which brings us to the real problem. I asked for a manager, preferably someone in the United States. After TWENTY MINUTES of holding, I was put on the phone with "Michael, " who never apologized and treated me like an absolute bully. His initial tone was short. In fact, I demanded that I be put on the phone with a professional in escalations or a manager, which he REFUSED to do. I asked for his ID# or last name, and he REFUSED to give either! Then he finally hung up on me! I'm now demanding that the call be reviewed. I noted the time at 3:01 eastern time during the call, but the call was placed at 2:36 PM eastern time. The phone number I called was [protected]. My phone number is [protected]. I expect someone to reach out to me and explain Michael's behavior and apologize.
I await your reply. The entire experience will then be told to a loyal social media audience of over 55k. I'll hashtag you.
Tony Shalaby
[protected]

Sept 20, 2017...i contacted customer service about lowering the interest rate on my credit card. Reason: health insurance premiums have become unmanageable, so looking into our household bills to see what we can do. I was transferred from one department to the next. From one supervisor to another. And then, back to customer service. One hour and four representatives later...was back at regular customer service. No one could help me.
I heard twice, " I don't know why they transferred you to me" ...really, I don't know either.
Very poor customer service.

This company charged me a late fee for making a payment that was 1 hour late. I was having computer problems on the day my payment was due and when I called to try to explain this to the rep he calmly told me that they no longer waive late credit card fees for ANY reason. Keep in mind that I am in an area that was recently declared a disaster due to Hurricane Irma and received an email from Capital One that they would waive late fees for those in effected areas. When I brought this up to the representative they actually quoted me the date of the storm and told me my payment was made after the date of the storm, and again it was too bad and that they absolutely would NOT waive the fees. I'm done with this greed driven company and will not ever use or recommend them again.

my payee representative account [protected] for James Morris representative for my Son Khalid Morris, who receives money from social security for is mental condition of schesophinia / mental retardation, has been frozen by your fraud dept and all monies sent for his up keep is being taken, this is do to the fact that my son who is easily used by people because of his mental condition, was used by a vandal to open a checking account without my knowledge # [protected], upon which two checks were deposited at The ATM, one for $2, 000 and one for $5, 000, when I did later receive the statement at the House with the copies of the two checks, it showed the signatures on the back no to be my sons, anyway over $2, 000 was allowed by capitalone to be withdrawn at two different branches of Capitalone mostly by ATM withdrawals, this was done on or about 7/25. a day before the bank realized the checks were fraudulent, the Fraud dept opened a case 2017072700204Z and they blocked the representative account saying that they had the right to take the money, which to date amounts to about $800, even though I explained that my son had mental issues and was not responsible, I have made complaints to the BBB in Baltimore MD, as well to the Banking Dept here in NY, my next recource is to the AG, s office, as well the social Security Dept. I hope at some point this issue can be resolved and the money but back for my sons up keep

I bought a 2005 F-150 in February of 2014 for around $13, 000. This is August of 2017. By my calculations at a payment of $460 plus change a month I have paid over $18, 000 on this vehicle. Yet when I checked on the pay off I was told it would be $11, 000 plus.
If this is truly the case I'm considering having my attorney look into my contract and your practices.

merchant that was cancelled continues to charge my card. spent over 2 hours tonight trying to get this resolved. Three customer service reps(all men) in Central America apparently dont know that women in other countries have civil rights. The first rep hung up on me when I was giving my account number. The second one kept telling me I wasnt allowed to talk to him in "that" way and h was going to hang up on me. I was asking(probably demanding at this point) to speak with a supervisor. The supervisor "Magic" gave me the run around for 30min trying to make me talk with the fraud dept.
I told him I just wanted merchant to quit charging my card. Also told me if I Choose to go through fraud dept it would take "A LOT LONGER " to have this charge removed from my account

I booked an airline ticket with rewards miles on June 9th 2017 Seattle to LAX on Alaska Airlines. See below information sent to me through email.

(Flight 25, 540 Miles
SEA > LAX > SEA (Aug 04, 2017 - Aug 07, 2017)
1 ticket
Flight Booked
Airline Reference Number: VGUIOM
Agency Reference Number: LXPYC5
Passenger 1: KRISTINA Rae WHARTON )

I had to cancel this flight and was given credits in which I used to book a ticket via an Agent (because a client cannot book their own flight using credits per your policy). This new flight was booked with my name spelled incorrectly due to the agents error. Please see flight information below per my saved emails.

(KRSITINA.RAE WHARTON
Trip Locator: LXOR5O
Flight: Thursday, 3 August 2017 Airline Reference: JGXDCA
Seattle/Tacoma (SEA) to Anchorage (ANC))

As you can see the agent entered my name incorrectly. The morning of my flight I noticed the error and spent a hour working with an agent who said I may not make it through security due to my incorrectly spelled name and also I would not be eligible for my rewards miles from Alaska airlines since my rewards plan had a different name as the ticket. The Alaska Airlines agent was unable to change the name because it was booked through Capital One. Since the flight was so early in the morning Capital One was not open and able to change the name in time for me to make my flight.

Thankfully I was finally able to convince security to let me on my flight and had to run to catch the flight. When I called Capital One the agent,
Yesenia Agent Sign KA, who claimed she was a supervisor and she was unable tried to convince me that 1) This was my error because the flight was booked online and I had spelled the name incorrectly. I have physical proof via my emails that this is a lie. 2) She tried to say tell me that talking to the agent at the airport would be my best solution which I explained to her I had done for an HOUR before my initial flight. 3)She then tried to get me to cancel the flight and pay the difference in cost to rebook the flight. 4) She refused to talk to both of Alaska Airline Representative and myself concurrently which I told her multiple times would be the simplest way to cut out any confusion and find a solution to this problem.

I spent tens of thousands of dollars with Capital One in order to gain the rewards miles to book this flight and the fact that I was treated so poorly and the customer service provided by a supervisor was subpar is an awful reflection of the Capital One Team. I spent almost 2 hours on the phone with Yesenia getting placed on hold for extended periods of time. If this is how Capital One treats their loyal customers I am no longer interested in being a client. Yesenia's interest was in "being right" and not resolving the problem at hand.

I will be writing reviews everywhere I can find if there is not some level of consideration for time and hassle due to the errors and awful service given by your team.

Thank you for you time.

I signed up for a Capitol One Card back in March of 2017. Card came in, used it and never received a bill. I called in to find out what was going on, verified my information and they had no clue why I never received a bill. They then tell me to download the app on my phone and pay my bill there. Done and done. I have been consistent with paying my bill and even double paid to show good faith. Everything seems okay till I call the Customer Service Department. Capitol One like so many other companies outsources their call centers overseas and the customer experience literally goes to Hell. The reps are quick to talk over you and constantly put you on hold because they truly have no clue what the hell they are doing. They are also very rude and highly disrespectful. I have had 4 total different reps from the overseas call centers and domestic ones and every rep has given me a different answer to my question. Last night I had finally reached my wits end and spoke to a Supervisor who was even more disrespectful than her Reps. She would constantly over talk me and had an extremely condescending tone to her voice. She constantly kept asking me "What would you like me to do about it" when I asked her a question. I have been in Customer Service for over 20 years and dealt with tons of markets and companies and would never treat a customer like I was treated. It even amazes me that on the BBB 98 of the 114 reviews on here are Negative reviews. But when you pay for your Rating/"Accreditation", I guess you truly do not have to care about what people review about you. Because if this was a true non-accredited rating it would be a solid F. This company is absolutely Horrible. Customers beware!

8/02/2017: trying to pay off car loan: want it on my credit card. There is NOTHING on the monthly statement saying that a credit card is not acceptable--yet the passive-aggressive phone kid, Jay UZ (which he SAYS is his 'designation') has kept me on the phone with his BS and on hold in excess of half an hour. THEN he hung up. VERY frustrated. VERY angry. By law--if there is no specificity regarding payment options; I do NOT have to surrender my banking info to these yahoos. And of course, for every day that they do not accept pay off--they charge MORE money. This is just WRONG!

Hi my name is Jaysher Batson. I'm very upset with the service I've received recently. I got an at home job through O'Reilly Auto Parts from indeed.com but it was too good to be true. It was a scam and I reported the hiring manager and gave you the email address and phone number that was used to contact me. I also reported it to the credit bureau just in case of identity theft. Capital One is the only bank account I have and I also have 2 credit lines with you. I'm really upset because my account was closed abruptly. I was mailed a check from capital one with the remaining balance from my account. The check could not be cashed at Capital one and I tried several check cashing locations. Western Union told me I needed to void or cancel the check in order to move further but instead I went back to the Capital One in Queens Village. I waited for about an 1hr and the manager came back and said this check can only be deposited not cashed. This was crazy because the Account Security assured me that I can cash it. Anyway, I went to a Western Union and because the manager crossed the information (Capital One Richmond VA #'s..) out on the back I was unable to cash it once again. This time the teller told me you need to mail me another one in order to cash it. So I need to know what to do, and how to do it. I cannot get another bank account and I need my money now. Thank you for your consideration. P.S. I've left 3 messages and an email for the past 2 weeks with Account Security. Help right now would be greatly appreciated.

I have leased a car in 2015. Been mostly on time with my payments until now. My husband is a disabled marine vet, we have a one year old son. I just lost my job two months ago and recently got a new one barely last month. So i couldnt pay the payments and gotten two months behind .. i have asked them to schedule an auto payment on my acc for tomorrow... July 26.2017.. they told me they cant do that (dont know why) so i ask to leave a note. They say the did. Today they repo my car. One day before i can pay my debt off. The whole amount! Which is $942. How ignorant they are to not call me or leave a voice mail or notify me. They pretty much screwed my family. We have a baby and a disables vet and no means of getting baby formula or me taking them both to their doc apps. Also no way of picking up the car from the towing company. If there is a way i can sue them for this. I will!

‪Thank you for allowing me to reach thousands of users to tell my story about Capital One and their fraud practices. I am a victim of fraud because Capital One allowed my husband whom I am separated from to open up a card in my name. I didn't live at the address and the phone and email was not mine however they sent him a card. I was put in touch with the fraud dept Haley their "fraud dep specialist"? informed me my husband didn't commit fraud because after 17 years of marriage he knew my social and full name! I have been dealing with this trying to undue what they allowed to happen only to find after their exhaustive research they decided that I am responsible for the charges! Here's the kicker! I am not able to obtain any statements and was denied online access to what's been charged! Seems a little backwards now? Perhaps they should have asked for that before they mailed a card. I am filing complaints to all consumer websites Attorney General, Comm of Finance, Investor relations and anyone else. Capital One earned your name as the #worstcreditcardcomp. Yikes the complaints site! ‬

I applied and was conditionally approved. After talking with one of your agents I explained I make over 120K a year and rebuilding my credit. I was told that I don't qualify to get a lpan bc I work for the U.S. govt outside of the U.S. so what I understand is that you don't support troops in foreign countries. I want to talk to management I plan to take this complaint up as high as I possibly can if I have to take it public and make sure everyone knows you don't support our troops and veterans.

My account has been levied for $300 however Capital One is holding $2700. After numerous calls the rep said my acount would be closed on 7/10 which it wasn't then the next day they say it will be closed that day on 7/13. On 7/13 I called again and they said it won't be closed until 7/24. They closed my account without speaking to me about why and now I don't know when I will be receiving MY money from my account. I am tired of the incompetcy

I was your client since 1995. Closed my account of $17, 200 in 2010 without ever missing a payment and I'm still paying for that closed account meaning that Capital One has ALL my information on file .I believed that by being a previous client with past and current excellent credit, it would be easier to obtain a credit card for traveling purposes. I was approved for $10, 000 and received my card only to see that it was restricted. I called and they kept asking for the same documents over and over even after admitting that they received them and explained that I would have to send them again and that they could not explain why they were not approved. Each time the person would refer to me as M'am because my voice has a high pitch, which I'm used to, but never had a problem for credit because of that.They even asked me to change my address on my Citi account and I even did that because at this point I just wanted to "prove" that I was me and send, as asked, a letter from the Branch Manager with all my information, name, address account and balance. I ask to go directly to a branch, they said it HAD to be done online. For over a few weeks I have been sending documents and every time I have to wait up to 72 hours for each document to be reviewed. I called to cancel the card they already sent, as it is obvious I cant prove that I am myself and I haven't been able to do that either. Plus they sent a fraud alert to the different Credit Agencies and I had to call each to clarify my identity, which happened without any inconvenience. I cant believe I had no trouble with the, but did with you. The last employee to help me told me that she was trying to contact a supervisor from the department that evaluate the documents because she was able to see that I was a previous client and that all the information matched except for the address, that I provided proof of. After 1 hour and 3 minutes she explained that the waiting time was about 20 minutes and that she would call me back. Still waiting since yesterday.

I have filed complaints with details of each call and documents to:
-Consumer Financial Protection Bureau
-BBB
and more...

John C Gonzalez

My family went to Paris last week. My husband and I both have Capital One credit cards. My husband called Capital One 2 weeks prior to our trip, to report we were traveling to Paris. He was told there was no need to do this as our card has a chip. He told the rep to record it anyway. I then got an email from Capital one with a travel tip on 6/5/17 saying it was not necessary to call them even when traveling abroad because of the chip. We had put a deposit on our apartment in February. The rep from Guest Apartments let us into the apartment in Paris on 6/19. I gave him my card (which I had used to put down their deposit) to pay the rest of the week stay. My card was rejected. I called customer service and was told to try the card again. It was rejected 3 times. My husband said to put it on his card. It was also rejected. Capital one was sending us emails to verify, but I don't have email on my phone so could not answer. The rep told us he couldn't stay any longer and left. We were on the phone for hours. Finally the charge went through. My husband had spoken to a supervisor of the fraud dept also. He and I were both sent 4 digit codes to verify the charges, which we did. We were both guaranteed we would have no further problems. The next day my husband used his card while we were at a birthday dinner for my son at the Eiffel Tower. His card was declined. (We both have a $20, 000 limit on our cards). Very embarrassing. He called while at the Eiffel Tower and he was told a supervisor was not available. We used my American Express with no problem. He called customer service when we got back to the apartment and he got someone in South America again He asked for a supervisor in the US. He was sent to someone in Tampa Fl and she got him a supervisor in the fraud dept and finally he resolved the problem, but we were worried the rest of the trip. This ruined out trip. I do not want to give our credit card # on this site because I don't trust this site. But I will give our email address - [protected]@verizon.net. Joyce and Ed Sparkman

Date: [protected]
Client Number: [protected]
I got this credit card in the mail. They sent it to me and I'd never applied for it. I had the credit card for a while didn't use more than 1200.00 on the card. I lost my job and during that time I called them and informed them of what was going on. They ended up sending the account to collections with Blit and Gaine which has not been cooperative at all in this. I'm pregnant and single so I don't have any other source of income. They want me to pay them 2400.00 for a bill that is really 1200.00. I tried to give them my Income Tax in March but they said 1200 wasn't enough. So I called back today 6-30-17 and they are still asking for 2400.00 and I still don't have that. Now I don't have the 2400.00. I told the lady on the phone that's not a Settlement. 70% would have been 840.00. Im pregnant and I'm alone why are they doing this to me? This is so unfair to treat consumers this way. They have been harsh and this has got to stop. I'm willing to give a settlement that I can afford to give. I cant really afford to give the 700.00 but I'm trying to get this done. Please Help! Here is Blit and Gaine phone number [protected]

My name is Cecily Cammon. I have never applied for any Capital One services nor do I ever intend to apply for any Capital One services in the future. I recently checked my credit report to find that Capital One has been making weekly inquiries for the last two years! I I am outraged and this needs to stop right now. I expect to be contacted about this matter. I will check my credit report in 30 days. I do not expect to see any inquiries from Credit One or any One affiliates. If there are any inquiries from Credit One or any of Credit One affiliates comma I will have no choice but to take legal recourse in this matter.

2731 Burlingame St.
Detroit, MI 48206
[protected]