Capital One

For about a week my local branch has been without ATMs. Imagine in a New York City running to work or running errands not being able to transact because the ATM is out of service. There was no notice of when the problem would be rectified or a reason. I found out today, 1/24/2018 that it not have ATM service until this weekend. That is unacceptable as is. A day or two is convenient but manageable. Not nearly 10 days. And, to make matters worse the service within the branch is poor. I would think that the manager would have the common sense to open the branch a little earlier to accommodate the commuters going to work but no she did not. Then to find her still holding a staff meeting after 9vam when there is a line of customer waiting to conduct business they would have been able to do if the ATMs were operational is ridiculous. Someone should be held accountable. Keep your customers informed. At the very least knowing how long ATM service would be out would have been nice. Good customer service would have been to extend branch hours by 1/2 hour in the morning to accommodate the community. Great customer service would have been doing all that and having extra tellers to manage the morning rush.

On my last Capitalone quicksilver credit card statement I had a balance of $975 and on my Chase Freedom card I had a balance of $6322. I did a balance transfer for $975 to pay my CapOne account. I did a balance transfer for $2822 to Bank of America to reduce my Chase balance since the promotional rate will be expiring by my next statement date. I did another balance transfer from Barclay's Bank for $3, 500 to fully pay off my Chase account. Unfortunately when initiating the Barclay's transfer I put in my CapOne account number. The $3500 arrived yesterday and my current balance is -$3, 500. I spoke to your Customer Resolution Center at 7 am this morning and requested an expedited check issuance or ACH back to my checking account. I pleaded with the person(name unknown) to get someone to authorize a same-day ACH today or issue a check to me and send it via overnight mail( I offered to pay for the service ). Both requests were denied. My attempt to speak to a person with more authority was also denied. I then requested the ACH refund of $3, 500 to be initiated.
I was the Finance DIrector for Fleet Bank Credit Card Services and a CFO of 6 banks over a 30 year banking career. I know how things work.
I am bitterly disappointed in the performance of CapitalOne in not doing anything above and beyond the normal process to make my life easier.
I am not putting account info in this email on purpose, but want a call to [protected] from an Executive of CapOne to discuss this further.
I want better treatment.

Joel Hyman

I am a long time Capital One customer. I have Savings, Checking, Investing, MMA and Credit Card accounts with substantial balances.

I opened a Venture card in April and have spent over $37K in 9 months. I have never been late on a payment and by their own CreditWise metric I have an Excellent credit rating score.

My account was deemed Restricted and I was unable to use my card. I was not adequately informed as to what caused this transaction to occur even after multiple phone calls and inquiries.

I was told to provide a Drivers License, Social Security Card and utility bill for identify verification, which I did the same day requested. My account was then closed permanently, again without explaining what the cause of the issue was or why the documentation I provided was apparently insufficient.

While this customer service and account closure decision was extremely disappointing, the most troublesome issue is the fact the 40, 000 reward miles I've accrued on this account where also seized, and I am unable to redeem or access due to this decision.

I called today 12/28/2017 to discuss a letter that I received explaining the reason for a decline request for a line of increase on my credit card. I was transferred to an escalation dept and spoke with Candance who's the worst employee that I've spoken to since being with Capital one over a few years period. She told me that she couldn't see or discuss the letter with me and demanded that I read the letter to her. I had told her initially when she came on what the letter said in general but she wanted to hear the words verbatim. I had spoken with another rep a few days ago when I first put in the 2nd request online but had not yet received the letter and she was able to see the first letter and we went over it together and I was satisfied with her conversation. However, when I got the second letter which was identical to the first with the same reason, I decided to call back as I had contacted Equifax which was cited as the source and they denied reporting any late payments or recent delinquencies. How is it that I got a letter from Cap One but a staff at capital one cannot see the content? It doesn't make sense & I told her she was lieing and had an ugly attitude; one I'd describe now as condescending . I'd really like someone in management to listen to my conversation with Candace today 12/28 and my conversation with the other staff on 12/26/17 to see the difference in customer service. I strongly believe that she doesn't need to perform any "direct contact" with customers duties. She is NOT representing Capital One's brand. I've read a lot of negative reviews about Capital One and up until today & I've begged to differ. I've Never had a negative experience when calling about my accounts even times when I wasn't happy about an issue. Had she looked at the letter she would have understood my frustration and guided me like her co-worker did previously. Clearly there's a mistake with delinquencies being reported and I'm trying to figure out where it's coming from as I've contacted all 3 bureaus and none seem to have it on file. I'm not interested in the increase line of credit anymore but more so where Cap One is getting this data to render its decision. Sadly, after dealing with Candance today, I'm rethinking continuing my relationship with Cap One.

I have been a customer of capital one for as long as you've been capital one. I am grossly disappointed in the way my account was (Is being handled) with the exception of "tiffany" who I truly hold in high regard. However, following our resolution of a problem, no one seems to understand that and continues to allow "late payment," "past due" calls/e-mails, when — are you ready? — I don't owe you any money!
Tiffany did all she can and she was great.
Today I got a recording (british female voice) telling me to check my account (wth?)
I called to discover that, in a nutshell, capital one is driving a train at 85mph, a curve is coming up with a 30 mph limit and you are not able to stop. I am extremely angry that a public company does not have an ombudsman to respond to the "fell thru the cracks" people and correct idiotic unnecessary problems. A senior manager (Yeah, sure) named "cassie" asked me to re-hash the whole issue. I accommodated and then asked, "okay, now what?" I heard crickets. Then, I called her name, "cassie, cassie, you there? Hello?" she said in a hurried voice completely unfocused and I could tell she had not been listening, "i'm here." I then told her to try to do whatever the h* it is she does, and I would do precisely what it is that I will do. So, nothing is truly (In the purest sense of the word) "resolved." what's in my wallet, you might ask. My own money because I don't owe capital one a penny. By the way the corporation should not have a 3rd party vendor answering the corporate tel line. They don't know the meaning of the word "ombudsman" even though I told her I would define it for her. Holy moley!

This credit card company is a preditor type of company .I Marra Wallace received a preapproved card for a 300$ credit limit . I attached a 2nd card holder and opened up a payment line with an external bank account from bank of America from my 2holder the capital one card used my account holder and I to pay way too many payments and after 5 months I was to receive a line increase that was the card deal if i payed on time for 5 months I would receive an increase . well capital one closed my card off and left it open for payments only . hello how crooked is this 100% crooked well unfortunately my dear friend second card holder passes away leaves me capital one bank refused to reopen my card access and has allowed 24 payments to get pushed back caused my credit score to decline down from 630 to some awful score i want this card account to be reviewed for preditory lending practice with false advertising as well capital one is evil and there must be regulation for disabled and military vets to recover from this type of credit card company abuse

I have tried to call Capital One 3 times over the last 2 months to cancel my Credit Card since I have been told that I can't stop the Annual Fees on it, even though my husband doesn't get charged any fees. Each time I called I was kept on hold over 1 hour each time and just hung up out of frustration. Then today, 18DEC17 @12:13pm, I decided to try Chat to get my request completed. After being transferred to Betty Mathew (ID#UMZ261), she did cancel my card with no issue but said she couldn't provide me with a letter, that I would have to call the same number that I have been on hold previously over 3 hours with. When I asked her to escalate this issue to her Supervisor she told me that she does have the ability to issue a letter but that I didn't tell her that in advance. What kind of policies and procedures does Capital One have (or not have) in place whereby the client has to be able to read minds or know the job better than the actual employee? She should have asked me if I wanted a letter before she lost the chance to provide me with one. I asked again to speak to a Supervisor and was refused. I asked to be transferred to a Dept where they could handle my request. I even asked her to get someone to call me directly to discuss this. All requests were denied. I have now spent an additional hour (total of 4 now) to get this resolved which is totally unacceptable.

Try to cash a check at 620 w. 181st. NY NY for the amount of 5200.00
Presented two credit cards ID and my driver licence just to be toll by the lellet that the lead teller, JESSENIA CASIMIRO refused to chash my check because of the amount and that she could not verify my Id. (State driver licence) is she stupid or what. Looks like she never seen 5000 dollars and think is the end of the wold. No profecional and really can't understand how she is a lead teller. I went to another brach and they cashed it no questions ask.
DO NOT BANK IT CAPITAL ONE.

I have been trying to get my lien released for a motor cycle. Paid off in 2009, bike is sold, can't get title without lien released.

2007 Big Dog Motorcycle (paid in 2009)
VIN 5J11YBJB67W000469
faxed paper work and request for release to Yolonda on 11/27 (Chicago call center, fax direct to her fax [protected]). She said she'd call me, never did. After 3 days of getting bounced around, I spoke with Angela FKP685 at same call center. She said she received fax and escalated case. Waited 4 days and now she says the title department is working on it.Should get a call in 24-48 hours - never did. It has been almost 2 weeks and I may lose this sale.
I need my lien released asap.
Tony Campo
[protected]

I have been a Capital One credit card holder for over a year & made all payments on time. I applied for a Spark Small Business Card, was approved & received the card. When I went to activate it, I was asked to send additional info to confirm my identity. Although very strange because I am a cardholder already for over a year & was already approved for the Spark card, I forwarded a picture I.D, Social Security Card & a mail communication with my name & address on it. I was called again about a week later to verify my address with another document. I forwarded a copy of my Wells Fargo Bank Account Statement that included my name, account number, address, etc. I was called again to say that they could not confirm this info! All this after being a cardholder & having all my personal info on record with Cap One for over a year & already being approved. I could not talk any common sense with the representative in the Fraud Dept & asked to speak with the Manager of that dept. She was equally vague & could not answer my common sense questions or provide me with any sensical explanation. They would not activate the card. I would like to note the VERY POOR CUSTOMER SERVICE of some of your staff in that dept. I WOULD ALSO LIKE AN EXPLANATION OF WHY I WAS APPROVED, SENT THE SARD & THEN NOT ABLE TO ACTIVATE THE CARD!

I had three accounts that I was current with. There was a fraud on my account and my account was closed because a capital one representative made an error. I was told someone committed a fraud used my checking account which was attached to the card and had the card reissued to be sent to Michigan. Changed my address and other personal information. I've never been to Michigan. But instead of fixing the error they closed my account. I did nothing, no missed or late payments. I did nothing on none of my accounts.

I have been back and forth between Transunion and Capitol One regarding my credit card being reported Transunion. My name is Bruce M. Cody. My credit card # is:
[protected]. I have spoke 7 times to each company with no results still! I am trying to purchases a home for my family through the V.A. I am a 61 year-old 100 % disabled vet and don't want to wait any longer to get this rectified. I have contacted your CEO and others with absolutely no response. My next step is to call a local television station to ask them for assistance but. I am searching for my last straw through you.

Olia J. Rodney Jr. Loan # ES759744 1817 N Johnson St. N.O. LA [protected] or [protected]
I am totally disappointed in the level of customer service that I have received since I agreed to allow Capital One to finance my mortgage loan. I feel as though since the mortgage department is closing, no one seems to care about the customer. Initially I was told that my bills will be paid (not closed out) and I would receive $31, 000 in liquid cash so that I can do things such as pay off my daughter's medical school bills. Two hours prior to closing, I received paperwork that showed that Capital One took it upon themselves to add in the paying off of my Porsche for $30, 000 and that I would receive a check for approx. $700 AND all of my credit card accounts will be closed. This was all after I had already gone through 2 reviews for approval of the paperwork on the original agreement. In addition, once the title guy came out with the paperwork (that I totally disagreed with because the idea was to get cash to pay for medical school), he had my ex-wife name on the paperwork. My wife asked him if she had to sign papers since she was on the title but not the mortgage and he said "no". They also added my other land on the paperwork which shouldn't have happened. I was then told that all of the checks would be sent to me and I would have to send to the credit card co.'s Each day I was told that the checks were on the way. Meanwhile, my bills are getting further behind and late fees are ensuing. Today I received a call that all of the paperwork was incorrect and new paperwork would have to be sent out to me but Capital One is now closed and nothing can be done until Friday. Also, I cant receive a time of how long THIS process would now take (although I still didn't agree with just receiving $700-defeats the purpose of me getting the loan. It has been one problem after the next and I am asking that someone call me at [protected] or [protected] ASAP to provide some type of resolution. Preferably I would prefer to get my cash of $31, 000 as previously discussed without closing my accounts. However if the accounts have to be closed I would rather receive the cash as a priority as my daughter's medical school depends on this.

With absolutely no warning, I received a form letter from Capital One dated November 13, 2017 telling me that my "account has been restricted as of November 13, 2017" and that it "cannot be unrestricted prior to closure." Say what? I readily admit I had not used the card for a long while so I attempted to chat with a supervisor to explain the situation (we had retired about 3 years ago and needed to curtail our spending for a while to live off savings so we could maximize our Social Security benefits). I explained that I would be more than willing to use this card with greater frequency now that our incomes were increasing. Was there any flexibility on Capital One's part? None! All the supervisor could do was keep repeating the same stock phrases rather than answer my question about how it made better business sense to alienate someone who was once a good customer rather than retain a customer by offering them a way to demonstrate their intention to be a good customer again. I almost fell out of my chair when the supervisor suggested I could apply for a new Capital One card. When I asked, "Why would I do that when the bank is not willing to offer terms whereby I could demonstrate my intention to be a good customer by using the card I already have?" he avoided answering my question and just said, basically, "It's Capital One's way or the highway." All I was asking for is (a) that warnings be issued before accounts are unilaterally closed (I received no such warning!) and (b) an opportunity to demonstrate my desire to be a good customer again.

Capital One used to be very nice to deal with. Short wait times, helpful agents and a willingness to waive membership fees. For the past year they are just plain mean. The wait times for customer service are at least a half an hour and once you get a hold of someone they act like you are some kind of misguided beggar asking for a handout.

Yesterday one of my cards was declined which caused me a great deal of embarrassment and stress. When I finally got to an agent he told me it never happened.

I order one credit card now someone running around with my information. I ask them to close my one card account then ask for number she told me there's no number so I said I'm calling my lawyer. In 20 minutes she called stated that they going to investigate. Now today another person Chinese called say he need to collect a debt of $100. I told him don't call my phone ever I'm going to report them. Phone number [protected]. I have copies of every payment I made with 1 card. They keep taking the amount that I gave them. Someone needs to investigate them ASAP. Can I get my money back?

My husband is a customer of Capital One investments. For over three weeks he was unable to access his account even though he called Capital One Customer Service each time. Today he asked for my help. When he tried to login he could not. We called the Customer Service support and Ismael answered our call. This agent refused to speak with me - and proceeded to "guide" my husband following the same steps we had stated had not worked for three weeks. When I advised him we'd complain about his unprofessional and ignorant behavior, he refused to provide a last name and also stated Capital One Customer Service agents do not have a code.
I told him that people like him are the reason Capital One has such a bad business reputation.
Please stay away from this company. I don't know where this Customer Service agents are located - perhaps India? And obviously they have no respect for customers, especially if we are women.

My credit card (opened in 2015) has been reported to credit beuros as closed. And new credit card (opened in 2017) was reported as opened. I called and asked to clear the situation with credit beuros as i want my oldest credit card to stay current.
Resolution was. My 2017 credit card was clised and 2015 credit card remained closed as well.
I called back and asked for a 2nd dispute to be send to credit beuros to confirm that 2015 accout is still open. Resolution was. My 2015 credit card was noted to be lost or stolen but remained closed.
I asked to send another dispute to clarify that card is open. It was lost or stolen so number on the card changed but accout remained the same. Resolution was. Credit beuros removed account from my credit history. Like it never existed.

My husband and I researched many credit card companies before we choose Capital One. Our reason for choosing them was the low interest rate and the 1.5 cash back on everything we brought. Once we got our disclaimer in the mail and started reading it. (Which I know most people don't ) It said that the interest rate was going to be the highest one 23.99% if we didn't pay it off every month (which we had planned on doing ). When my husband called to inquire about it he got the third degree and was asked a ton of questions. More questions than when he called to sign up for the card. We want everyone to know that they need to be aware of the switch and bait with there interest rates.

Sept 29 Capital one cancelled my credit card without me asking for it to be cancelled. They claimed they sent a new replacement which i never received. Its bow oct 19. They never informed me they were replacin it. No email, no text msg, no phone call.. Nothing! The worst part is i didnt realize till now it was the old card i was trying to use until it got declined. So i called to find out what the hell is going on. They gave me some sob story which i did not care to hear. This is the second time capital one has done this. And probably be there last time to me. I will pay them off an cancel the account completely. Completely unacceptable. I have never in my life been so embarrased and felt so ashamed. Here u go out to eat thinking you good and DECLINE is what u get. My thing is capital one did not apologize for the inconvenience nor did they admit fault. Over the years i've been becoming more unsettled with Capital one. And this just put the icing on the cake. ALL CAPITAL ONE CUSTOMERS BEWARE!