Capital One

I contacted Capital One after seing they posted I was 30 days late on my credit report. In the month of June I made 3 large payments on my account the latter of them one day before my monthly statement cycle change date. I was unaware I had paid one day "early". I asked if they could remove this from my credit report and they refused insisting I was late when it was obvious I had really paid one day early. I have been a customer for 12 years and never been late before. and I was not late now This is terrible customer service and feels like customer abuse..

I placed my card into an ATM. I was not aware that the machine was out of service. I asked an employee about my card and they said I would have to wait until Monday. I was not informed of what would happen to my card. I asked for a manager and she told me her name was MIchelle. she said it was no way to return it. I was not given any information until the third time I knocked on the and asked. At that time I was given a customer service number. Everyone I came in contact with that evening were rude and didn't offer any information. I later found out you don't return cards and they are destroyed on the next business day. I took me two calls to customer service and a call to the corporate office.

gretchen.wang, thief, liar, dangerously incompetent, intellectually dishonest, morally corrupt, Capital One

gretchen.wang
Occupation: Capital One IT Manager
Address: 15000 Capital One Drive Richmond, VA 23238
Phone: [protected]
Email: gretchen.[protected]@capitalone.com

Gretchen.Wang, of capital one, is a nasty, disrespectful micromanager, and intellectually lacking, dishonest, dangerously incompetent, verbally abusive, and morally corrupt individual. Gretchen Wang fosters a hostile working environment at capital one. gretchen.wang is from Taiwan and speaks limited English and can not articulate project goals, let alone execution processes. In spite of all this, she boosts a gigantic ego, one which trumps all her team mates. Gretchen Wang thinks that she is the queen of the small business data team. In addition, Gretchen Wang is a thief. Gretchen Wang steals Capital One’s corporate intelligence and sells them to competitors on a regular basis. Among the things she has sold: Capital One Small Business Rewards Model, CDW warehouse containing millions of accounts information, data models, and other sensitive inside information.
As for her management style, Gretchen Wang will berate you. She’ll abuse you. Heck, sometimes she will even take a swing at you. Gretchen Wang is without doubt among the most horrid, fear-inducing, vile bosses of all time. Gretchen Wang regularly reveals to people how much other people’s salaries are. Gretchen Wang takes all the credit from the data team, and shoulders none of the responsibilities. For instance, she took credits for the Helix conversion project, the extended pay product launch, and new data models. Take a look at the nightmares you should be thankful you don't work for her.
People are "discarded" by Gretchen Wang without any regard to ethics, corporate standards or in some cases even the law. Capital One and Gretchen Wang are an example of what is wrong with corporate America where people mean nothing and data means everything. There is a great deal of inexperience, theft coverup in management such as Gretchen Wang. They need a good dose of reality. If you are investigating Capital One as a possible employer, think twice and find someplace else.

Acct# [protected] I want to dipute this account as I do not know anything about it or have memory of opening a Capital One account. I could not imagine at that time actually being, approved for a credit card as I was very close to foreclosure on a home mortgage at that time. These allegations are not making sense to me and as I am trying to clean up my debts, I would have found this on my credit report I do not recall it there either. Trudy Black (Barcus)

I have a Capital One business Visa card. I have a number of recurring transactions which bill for the same amount on the same day of every month, month after month after month, and have for over 2 years now. There are 3 particular transactions that bill on the 3rd of every month. Like clockwork, on the 3rd of each month I get a call from Capital One fraud protection wanting to confirm that each of those transactions are legitimate. Complaining about fraud protection may seem ridiculous, but I am going to do it anyway!

My gripe is two-fold. First, I have asked REPEATEDLY for my account to be updated that these are ongoing monthly transactions which were not fraudulent last month, the month before that, the 12 months before that and are not suddenly fraudulent now. Yet, month after month I get called. Secondly, you call from a toll-free number that shows up as unknown on my Caller ID, which usually indicates that it's a solicitor and I don't answer the phone, but just let it rollover to voice mail. Then my card is disabled until I call in to verify the charges.

This is annoying me to the point of canceling my Capital One account and using a different card for my approximate $3, 500 worth of monthly business charges. However, the sad fact of the matter is that I have already threatened that and Capital One keeps calling every month which has clearly shown me that they just don't care if I take my business elsewhere.

If your computer system is smart enough to flag something as possible fraud, then it is smart enough to review past transactions and identify ones that have been charged every month for over a year and not flag them as fraud.

Update your records and stop with the annoying calls.

Back in Sept 2010 I was involved in a terrible accident. I was hospitalized for 2 months. Because of my hospitalization I was two weeks late on my credit card payment. I've called Capital One numerous times to see if they would in good faith remove the 30 day late payment that is showing on all of my credit reports.

I've never been late on any payments other than this one and am annoyed that Capital One will not help me out with this situation.

Please remove the 30 day late information from my credit reports.

On October 19, 2011 my car was repossessed by a third party hired by Capital One from my home in Houston TX. When I called that same day to see why my vehicle was taken, I was told that I had 10 days to pay $1700 to retrieve my vehicle before it was taken to auction. Not only was Capital One authorized to automatically draft my car payment ($350) every month, a payment was drafted from my account the same day my car was taken from me.

I called on October 24, 2011 to make the payment of $1700 that I was told was owed only to be informed that my car was repossessed by mistake and that my account was currently up to date. A call was made to release my vehicle and I was given the third party's information to get the exact location of my car. Once I made the call to find out where my car was being kept I was told by the third party company that I needed to contact Capital One for important information regarding my vehicle. I called Capital One right back just for them to tell me that my car was shipped to an auction in Dallas, TX. I spoke with a more than a few customer service agents explaining the error each time that I was transferred and was finally able to speak to a manager that was able to have my car transported back to the third party company that first had possession of my vehicle.

On November 2, 2011 I finally regained possession of my damaged vehicle with a different key that was cut for my ignition. My car was trashed internally, oil smudged all throughout my interior; my console, cup holders, seats and passenger side floor was filled with dirt; and not to mention my windshield was completely damaged. I called Capital One the moment I retrieved my vehicle to make them aware of the damages that were made to my car while out of my possession and was told they would email me an affidavit to have notarized of the damages and mailed back to start a claim for my vehicle to be repaired. On November 5, 2011 my car completely stopped working and had to be towed directly to the Certified* Toyota dealership's service station where my car was purchased. It was after the head mechanic gave me an estimate when I was told that the key that was cut for my car caused my vehicle's computer to shut down as an anti-theft mechanism. I mailed a copy of the estimate along with the notarized affidavit to Capital One Auto Finance so that my repairs could be taken care of. Sounds like it should've been an easy transaction only it is the exact opposite!

I have called Capital One everyday to get this matter resolved, spoken to over 30 representatives and 12 supervisors to get this matter resolved. Of all the phone calls I have made I have yet to speak with the correct person to handle this matter and my calls have been disconnected by 8 of the 12 supervisors. It is December 18, 2011 and I am still without my vehicle due to the mistake that Capital One has made, now I am getting harassing phone calls about making a payment. As a result of Capital One's mistake I have missed countless days of work due this issue and is at risk of losing my job.

Capital One is very unprofessional in handling business and their customer service is HORRIBLE!
I will NEVER do business with this company in any shape, form nor fashion and I would NEVER recommend anyone to do business with Capital One at all!

I paid off my Capital One Credit card balance (around $400) almost 1 year ago. I have not used the car or received any statements since then but I knew there were no charges on the card. Today, 11 months later, I received an email stating that I have a past due balance of $90.10, consisting of a maintenance fee of $29, interest charges and late fees for 2 months. So, I called the number and someone who sounded just like Peggy from the commercial kept putting me on hold and told me that I would have to pay the $29 but they would waive the other fees. Then, he put me on hold again and said he was going to have to take back everything he just told me and would have to pay the full amount. He said they would credit my account for the late fees and interest but the balance would not be reduced. HUH? Total time for the call: 19 minutes. Terrible service, terrible fees. Got off the phone but will be calling back to close the account.

I received a letter similar to your sisters, let me begin by saying I have never done business with this lender or the lender they mention in the letter.

########Begin Letter################

Dear Mr *****,

Information pertaining to your account has come to the attention of my office for further investigation. This letter constitutes official notice, required by law, defining the maximum number of days allowed for you to make good on or provide restitution for checks deposited into your account with Capital One Bank. Failure to make good on these checks or provide full restitution within the noted time is considered evidence of your intent to defraud this institution.

One August 11th, you deposited a cashier's check for $3629.99 into your checking account at Capital One Bank drawn off of Citibank was returned refer-to-maker. As a result, your account is overdrawn $2093.32.

To avoid Capital One Bank from pursuing criminal or legal action against you regarding this transaction, you must contact this office by August 25th.

Sincerely,
Sylvia Hilker
Fraud Investigator, AVP
External Fraud Investigations
[protected]

#########End of Letter##############

The letter provides an Address of PO BOX 1296 Laurel, MD 20707 and is signed. It looks very official but seeing as how I have never dealt with either of these two banks I suspect it is a very fraudulent letter.

I am on disability and I get a check every 3rd Wednesday of each month, so for over a yr now this place has taken $35 out of my checking acct, on the Thursday after I get paid.This month Sept, they took it out the 15th.So therefore it bounced.

I called and was called a liar and a lot of other things, so they will no longer be able to get any money form my acct as I have stopped it. I will pay by check. The manager told me I was refusing to pay. No I am not.I will send a check to them. Thats not refusing to pay.

Thank you for your time

Joyce Babcock

Norhland Group 3 months ago sent a Sheriff's Officer to my home and served me a warant to appear in court as they were suing me for the balance on this account. I have NEVER received a warrant in my lifetime! I showed up in court and was very disappointed to learn no one from this company was there! The judge told me since no one appeared, I didn't have to do anything. I called Northland and told them based on what the Judge said I was not going to pay. I had been sending $100 a month, but stopped. In the meantime we had to buy a new car and the car payments are $300 a month and the last person who called me was told I had no money to pay.

Eileen Rzecinski, 156 Village Sq Dr., Marietta, PA 17547

I recently had fraudulent activity on my card for 376.00 I quickly called Capital One to have it disputed. I then received a letter that the charge had been put back on my card. 2 weeks later I receive another letter stating that they are taking the money back now because they were unsuccessful disputing the charge. I called capital one again and they assured me that if I faxed in the necessary paper work that the balance would remain on my card. 2 more weeks go by and I receive the same letter that the dispute was unsuccessful, I called them again today and they had said that I waited to long to dispute the charge, which was within the 3 month limit and they had already givin me my money back! Please HELP!

Capital One will send your disputes to the proper department but even if you never signed any agreement for the service in question, they will deny the claim. Be VERY careful what you purchase with Capital One cards. So if someone finds your card number, they can make charges to your card and Capital One will expect you to pay for them.

pplied for a Capital One card. I was approved and received the card. The card was activated and I had a number of charges. Then without warning, they froze my credit card. When I called them they said that they needed additional information by Canadian Gov't law to ensure that I am who I say I am. Thats fine but the credit card should not have been issued until they received this additional information. The credit card was useless for at least 4 weeks until the information came n the mail. Then I spent another two weeks asking how Capital One was going to make me a happy customer. Finally I cancelled the account. CAp One was going to offer me a $50 credit if I opened up a new credit card account with them. That is low. After weeks of not getting an answer, this is the best they can do. Switched over to TD Canada rust VISA and I am totally satisfied. They went out of their way to ensure I received my card.

After months of my relative unable to read or pay bills and placed in a nursing home due to a life threatening illness. I contacted these ### in March 2011 with a letter notifying them of the circumstances for non-payment. No response from them at all! My relative out of the hospital, rehab and then a nursing home contacts their customer service only a few weeks later after recieving a threatening letterJuly 2011 from CAPITAL ONE.
In the discussion reinterrated the conditions for non-payment and inquired as to a possible forgiveness for the added on late charges and fees while she was dying with this illness. They "CLIFFORD" refused to work with her other than demanding payment and continued throwing at the relative "CONTRACTUAL AGREEMENT". Evedently they don't give a RAT's [censored] whether you live or die because they will screw you into your grave. I would not get involved withg these dung eating imbreads! Remember them when the economy levels out if it ever does because of these trashy people handing out credit cards like it was monopoly money. I find it uncanny how many trailer trash have been forgiven by these same people who's intent was to not pay them back yet someone with a ligetimate illness is screwed over by them. I BELIEVE IN A BOYCOTT (an act of voluntarily abstaining from using, buying, or dealing with a person or organization) of ### in business with no ethics of doing the right thing.

As of May 1, 2011 I had a zero balance with Capital One, this was my small business credit card so it was rarely used. By mid-May I needed to do some upgrades and small investments so I made several purchases and apparently went $100 over my limit. By the next week (bear in mind, this was a week after the purchases were made, no payment was due and I wasn't even close to receiving the first statement in months) I was receiving non-stop phone calls about Capital One collecting on a debt while I was at work. How is this a debt? Have I not yet paid or do you somehow foresee that I will not pay in the future? Why don't you simply send me the statement in a month (it's just normal practices) and then see what happens? Try it, it may work. This is the most unethical practice I have ever encountered. Of all the thousands of "collectors" that have called me continuously, I have spoken to four of them and asked them to "make it make sense" and no one could with the exception of one who stated that she had no idea why Capital One was harassing me and she would stop the phone calls. The phone calls did stop for about two weeks, which I was truly grateful. Capital One maintains that they are calling to collect the over the limit fee, but was it not Capital One that allowed this payment to go through in the first place WITH the addition of an over the limit fee? So what is the point of the harassing phone calls? I have since tried to cancel my card with them, to no avail. The next time I call I have decided that if they want to take the time to harass me, I will do the same! I will just as mean and ugly as they have been. Although I don't condone such immaturity, there is such great satisfaction for me! Thanks for listening.

My concern is Orchard Bank debits my bank account and then I have to call them to get the amount applied to my account. On the 23rd of April 2009, the bank received a check from me in the amount of $160 that they have not applied to my aaccount, as of May 7, 2009. The bank said that it may take 15 to 30 days to get this posted to my account, remember this is May 7, 2009 approximately 18 days later. This is not the first time this has happened to me. It seems to me that the bank may be using customers funds to boost their bank balance and increase their earnings using customers money. If this were to be the case this would violate both federal and state banking laws. It most certainly would paint a better picture of the banks financial situation if this were to be the case. Customers should be compensated for the payments that have not been posted to their accounts in a timely manner. Why should the bank be allowed to treat customers in this manner. This situation needs to investigated by the proper authorities.

Harrassing calls twice daily' Monday-Friday for now months. A 800 number w/ a recording stating "it's my last chance to avoid legal action", and to call Mark Dickerson, at [protected] and enter his mgr code: 2710277. Mark is never at his desk, nor does he return my calls. His recording states you have reached the legal dept. at Capital One; and to leave a message, or for immediate help, call mgr. code 2710283 . I am not a Capital One customer nor have I ever been. This call originates in Virgina and is computer generated everyday 11:35 am and 5:40pm.

Since last May we have had a very hard time financially due to medical issues. The bills are still coming in and we are overwhelmed. I have since then been in their hardship plan. However, there are suppose to be other ways to be able to pay down your debt, without just the waiver of the late fee, that is all they offer to me. I want to get my bill paid off without being turned over to collection agency, I deal enough already with them on my medical bills, but they won't work me on the other offers they do offer. I've heard that they can reduce your balance owed and other issues, but I only get told I qualify just for this waiver, which isn't much. I'll never get this bill paid and it is really making me upset, because I have to many other bills to deal with than making arrangements of what I can afford to pay which isn't much, and getting a waiver of late fee. Please help me.

Hi, I want to also voice my issues with Capital One Auto -- they are horrible and I cannot stress enough to other consumers never to sign an auto loan with this organization as you will find yourself having the biggest nightmare of your life!

I took out a car loan with them in July, 2008 when I purchased my car from CarMax in Pompano Beach, FL. I have made each and every car payment before due in full and have my bank records to prove it. About two years after taking out my car loan with Capital One Auto, I lost my high paying job and had to file Chapter 7 bankruptcy. However, I reaffirmed my Capital One Loan (excluded it from the bankruptcy proceedings) and my bankruptcy was discharged as such.

Since the inception of my bankruptcy proceedings, I was in contact with Capital One Auto letting them know that I was not including my car loan in the bankruptcy and continued to make each payment on time, in full. To date, I continue to make every payment on time, in full.

Capital One Auto refuses, both verbally and in writing, to acknowledge and accept my reaffirmation and has instead reported to all three credit bureaus that my car loan with them was discharged due to bankruptcy and account closed. I have even enlisted the services of an attorney who sent them a very detailed account of every payment made on time, copy of my statement of reaffirmation, and communicating the negative damage they are inflicting on my credit reports because of this incorrect reporting on their part.

They never responded to my attorney's letter. When I send them a letter, and believe me I have sent many of them, I receive a form letter back from them, basically denying any wrongdoing and confirming that my loan is at a $0 balance and discharged at time of bankruptcy. I have included copy after copy of the Statement of Intent with each letter and they still maintain the position that "I have not reaffirmed my loan with Capital One Auto".

The definition of reaffirm, is to acknowledge the allegiance to a country, obligation, etc. which I have done repeatedly.

I also registered a BBB complaint with the Richmond VA and to date, their representatives continue to assert that I have never reaffirmed my loan!

My attorney has advised that my only option is to file a civil case and that could cost thousands of dollars!

To top it off, I receive monthly account statements showing the remaining balance on my car loan from them, showing last payment made (on time!) and next payment due and the amount. The principal continues to decrease with each new statement.

I also sent them a letter telling them that I would like to surrender the car to them if they will not correct their reporting of my loan to the credit bureaus. They do not even respond to these letters!

So, at this point I am between a rock and a hard place. This company will not acknowledge, nor correctly report my loan to the credit bureaus, and I can't help but wonder if I send in the remaining amount due, just to get rid of this headache, whether they will send me the car title, or just take the car back!

Please do yourself a favor, and never sign for an auto loan with Capital One Auto -- it will be the biggest headache of your life!

Best Regards,

South Florida Consumer