Capital One
reviews and complaints

I just called capitol one [protected] to cancel payment protection. As usual, the woman on the phone tried to explain the benefits of this service on and on suggesting I should keep it. When I said "I don't want to have more info about this service, I just want to cancel it" she just said OK it is canceled starting today and she hanged up immediately while I was trying to ask for the confirmation number for this cancellation... I don't want to blame the company for rude people like this but I was so annoyed...I was talking and she hanged up! Another issue is that they better hire people for phone services with an understandable accent. Sometimes i have to ask them to repeat because I don't understand their English well!

When you call them to activate your credit card, make sure that they don't charge you with creditinform and payment protection, make sure you ask about those..

I have been a customer of Capital One for several years. During that time I have made all payments as agreed and have not been late or over the limit.

I opened the account based on an interest rate of 7.99%. This was not a promotional interest rate. I received a notice May 15, 2009 advising me that my interest rate would increase from 7.99% to 17.99%. beginning August 1, 2009. The new interest rate is levied on the EXISTING balance and any new charges.

If I do not accept the offer, Capital One will close my account, make the balance due and payable and report my account to credit reporting agencies as closed by lender.

In addition I was advised that their policy had changed toward past due payments. If I were to miss a single payment, my interest rate would increase 39%.

I assumed this was an act of usury but have since found that our government had not placed limitations on what a charge card company could charge.

I called Capital One to find out if I had triggered something that would cause my interest rate to increase to such a high level. I was told that the decision was a business decision and was not affected by my payment performance.

In a time when so many are defaulting on their credit cards, I am dumbfounded that Capital One would inflict such high rates on a paying customer. It is my intention to pay the account to zero and leave it open so that my credit is not affected by a decrease in credit availability.

I will not in the future engage in any business transactions with Capital One.

[protected] keeps calling my cellphone. I do not know how they got it and they keep calling my dad and stepmom from 8:00 am till 11:00 pm. They keep telling them I do not live there. The person from the company will say yeah right and will hang up. Other times, they call right back. They have told them to stop calling and they are told not until they talk to me.

CAPITAL ONE SECURITIES INC
RECIEVED LETTER AND CHECK FROM CAPITAL ONE SECURITIES INC TELLING US WE WON THE SHOPPERS SWEEPSTAKES HELD ON MARCH 13 2009, WE WON $250, 000.00.
INCLOSED A CHECK FOR $ 4, 993.00. THE ACCOUNT WAS VERIFIED AND GOOD, BUT THE CONTACT NAME AT CAPITAL ONE SECURITIES INC NICKY BOYD SAID TO CASH THE CHECK, CALL HER BACK AND THEY WOULD TELL ME WHERE TO SEND MY TAX PAYMENT OF $2995.00 IN CANADA. CALLED CANADA IRS AND THEY STATED ALL LOTTO WININGS IN CANADA ARE TAX FREE.
LOOKS LIKE I WILL BE RUNNING THE CHECK THROUGH THE US POSTAL SERVICE MAIL FRAUD.

Ok, tons of people complain about this capital one payment protection plan, they denied my claim, a 100% disabled veteran. But did you know that capital one and it's administrator probably violated your civil rights? When you file for capital one payment protection activation, you are sent a form from stonebridge benefit services inc. This form has a place to sign, the form even warns you that leaving anything blank, will delay your benefits. Like most people that are unemployed, disabled - we are just looking for help to do the right thing and pay our bills.
Well, besides the joke about "who is in your wallet" it has become "who is in your medicine cabinet"
The form that they are having you sign is a blanket authorization for both capital one and stonebridge benefit services inc to have complete access to all your medical records, diagnosis, even your prescriptions! Giving this authorization is made a condition to getting the benefits you paid for! This form violates your privacy that is granted under federal law! As this form does not disclose that signing is optional, it violates law under code of federal regulations. If you have signed one of these forms - immediatly call stonebridge benefit services inc and revoke this authoriaztion! You might wish to contact your state attorney general, as violations of privacy under c. F. R. Can be sued for, you might wish to consult a lawyer. Even if capital one paid the claim, they are still violating your rights! If you wish a copy of this form email me at [protected]@yahoo.com

I just wish to thank Capital One for giving me the privilage of paying for Payment Protection for 6 years and then denying a 100% disabled veteran Payment Protection as advertised. I also wish to thank Stonebridge Benefit Services Inc for it's part in violating my civil rights granted under federal law. If you have ever signed one of Capital One's Payment Protection Activation forms, It is a blanket authorization for both Stonebridge Benefit services Inc, and Capital One. As required by law, these forms do NOT disclose that they are optional. If you signed one of these forms, I would contact your Attorney General for your state, And tell them the story. Companies that thrive on STEALING and VIOLATING peoples rights that are unemployed, disabled and unable to work, need to be made to pay for thier actions. If you need a copy of this form, send email to [protected]@yahoo.com . This form even allows Capital One to full access of your medical records EVEN prescriptions! I think it would be safe to say that it just might be a violation of your rights under the Codes of Federal Regulations, which is also a violation of your privacy.
When a company has to TRICK you into signing a form, isn't that a SCAM ?

I too am completely in shock by the lack of disregard and disrespect I was given by Capital One after they increased my rate from 4.8% to 15.9%. I am a perfect customer of about 3 years who uses my card on a daily basis and has never been late on a payment. I typically would pay off my (usually very high) balance each month. Note that banks (credit card issuers) make lots of money off of us credit card users by charging their merchants a percentage of our usage. So, them saying they make no money off of us "convenience" card users is an outright lie. I feel bad now for the small business owners who had to pay fees to Capital One for my usage.

When I called general customer service they explained that due to the economy they had to make a business decision that will impact millions of customers and that there was absolutely nothing he or anyone could do and since it was after 11PM CST I would have to call back tomorrow. The people who have the authority to reduce the rate are no longer available for the day was his next response. I called back the next day and talked to one of those so called Senior Supervisors at a different number that I was given by customer service the night before and I once again described my dissatisfaction in a calm voice. After being talked down to and him saying if I paid my balance each month I wouldn't have to worry about the rate anyway and that I should take my $10, 000 balance and transfer it to another card that offers a great balance transfer rate. I asked what my incentive would be to stay as a Capital One customer and he had nothing.

My Discover Card issues cash back (I have $150 so far). My Chase card offers flight miles (I have around 30, 000) and I get points for gifts with American Express (over 30, 000) and Citibank (about 10, 000). I said my incentive to use Capital One was for the lower interest rate (I had 4.8% or lower the entire time I was a customer) and with that now up to 15.9% I have no reason to stay. So, with nothing to offer me and him telling me he was "the top of the food chain in the Call Center" and that there was nothing he could do and nothing anyone would EVER be able to do, HE decided my time was up on the call. He then told me that there were other calls in the queue and that he had to go and hung up on ME. I am amazed that this company would let go such a great customer with an even greater future potential by an uncaring, disrespectful jerk like that. I had to actually call back to close my account and that is exactly what I did. I transferred my $10, 000 balance to Bank of America at 0% for 6 months with no transaction fee.

I understand the banks are suffering too in this tough economy, but so dearly are the consumers. So, instead of sending a passionate personalized letter explaining the need to raise interest rates, they send an impersonal and almost threatening in language change of account notification brochure. Did Capital One ever hear about targeted and segmented communications? Do they even know how to communicate properly to their customers when making such impactful changes to their customers accounts, especially their best customers? although I agree that no customer, no matter how delinquent they are, deserve this type of treatment, the "good and best" customers deserve more. The power of personalization goes a long way and if they would have planned their communication strategy about this with a legal sized letter with a thoughtful explanation and understanding of the hard impact this will have on many, the severity of these changes wouldn't seem as bad and we wouldn't have been so offended. They treat their consumers who are also struggling in these hard times by rewarding them with disrespect and a rate increase of 3X higher. Unbelievable!

This was a show stopper for me and my husband. I have the power of word of mouth and so do you, so don't ever bank with Capital One ever in this lifetime and make sure you let everyone and anyone know and they will follow suit. Capital One's logo is "What's In Your Wallet? Well, Capital One, it's not your card!

I have never been late or gone over my limit. I needed a balance transfer and was offered a 4.99 fixed rate by Capital One. I took it I never used the card except for the transfer. Well much to my surprise my rate change happened this billing cycle. I thought it was mistake. My rate went to 14% I called one Sat morning and was told I UNDERSTAND by several representatives but there is nothing we can do.

That I should be happy that my rate was 14% and not higher. Finally I got a supervisor and I was told that since I did not reply by April when a statement was sent out in Feb that my rate changed and that was final. I never received this so called statement everything I do is online. I was told that they sent it via my physical address and I probably lost it. When I complained telling them I am customer in good standing they did not care. I was told that because of the economy they changed the rates, that I was notified, and that was that. I could go to a different company if I wanted to.

I could not believe it I called again, emailed, even had a so called manager call me on the phone and again was told I UNDERSTAND I even had one representative tell me I'm a single dad and my rate went up 24.99?!?!?!? I can't wait to close this account.

THEY DON'T CARE THEY WOULD RATHER GET MORE PEOPLE AND HAVE THEM DEFAULT THEN USE THE BAIL OUT MONEY TO BAIL THEM OUT. DO NOT USE CAPITAL ONE!

I closed my Capital One Credit Card 4 years ago when I was living in Florida because I never used it. I closed it with a zero balance and I didn't want to continue paying a $50 annual service fee for a card I didn't use. After cancelling it with their outsource people in India or Pakistan, I thought it was taken care of. Three months later, I get a statement showing a $50 annual fee again for them. I call and get India again, explain I have cancelled my card three months prior, and get assured it is taken care of. Needless to say, it took me four months of phone calls to get this charge off of my closed account and get the card closed. Three years ago, I moved to Texas, and all of a sudden I start getting letters from my credit card companies saying they are raising my interest rate because of a delinquent account. I request a copy of my credit report, and lo and behold, Capital One has charged me a $50 annual service fee on a card that was closed four years ago! That was in February, and here we are in June, and I have spoken to 6 Account Managers and probably 50 people from India just to GET to the Account Managers. They finally show I have a zero balance, but they FORGOT to show that I never had a late payment and they also show that THEY cancelled my card! This company should be investigated for Fraud. This seems to be an on-going problem with this company. Why aren't the Attorney General's in each state investigating this company! How many people does this have to happen to before they realize this is an on-going problem with them. These are the "Account Managers" I have spoken with to get this resolved:
Fiona Emp. ID# OYN162
Tracy Employee ID# UVH576
Dallena Emp. ID# QBZ694
Shelly Emp ID TEX912
Kelly RFP879
Sarah (didn't write her # down)

I received a letter, with a check for $4, 993.00, stating that all I had to do was to forward the necessary taxes of, $2, 995.00 by westerunion/moneygram. After sending the money, they would send to me by Fedex, $245, 007, 000.

I also had to contact my calm agent, to find further clarifications, as indicated within 5 business days.

I have Capital One Auto. Wanted to refinance, was told they do not refinance there loans, I wanted to defur
one payment. I was told no, so this made me fell behind one month. My payment is $479. The interest is very high. They call at lease 30 times a day. I also had a visa with them. Called for a pay off in 2008, paid it off and they still sent a bill for interest. When calling them to tell them I had no balance it was paid off, Capital one said they would fix it. It never happened. This when back a forth for 3 months, every month the charges got higher and higher . I will be paying off my car loan in July. I will never deal with them again. Stay away from Capital One no matter how good it sounds. Raleigh NC

After 7 years as a loyal customer that ALWAYS paid on time and with a credit score of 765 I expected to be treated with the respect that my careful credit management deserves. BUT, that did not stop Capital One from sending me a APR INCREASE of 9% over my previous rate of 6.9%.
When I called to complain and request a reconsideration based on my RECORD and not on their balance sheet, I was told by some guy in India named Saron (ID#JAE169) that NO ONE at Capital One could do anything for me because of rules and regulations?
Aren't we all sick and tired of GREEDY corporations treating people like ignorant children?
Unless consumers STAND up and refuse to do business with companies that CHEAT good customers nothing will ever change.
Please contact your local and national government, media and friends and family and call for a BOYCOTT of unfair practices by companies.
IF we all stood together there is NOTHING we couldn't accomplish. Companies might actually learn that they have to treat customers with respect and not just as a source of revenue. PLEASE JOIN ME!

I have a prepaid Visa from Capital One and it has not been in service since the end of November 2008. I tried to use it in Nov. and could not. No where was there any information as to me even having a card or available credit with the card. My last usage of the card left me with a balance of @ 14.00 and trying to get in touch with anyone about it was like pulling teeth. I just want to know why I am being billed $431.83 with a settlement offer of $215.92, when I haven't been able to use it . I understood that after 90 days of inactivity the offer goes to a $5.95 a month service fee, so where did the $392.00 come from?

i HAVE RECIVED A CALL FROM A COLLECTION AGANCY STATING I OWE MONEY I HAVE ADVISED THIS PERSON THAT I DO NOT AND BEFORE I MAKE ANY PAYMENTS I WOULD LIKE TO SEE THE BILL I WAS ADVISED THEY DONT HAVE ONE I HAVE NOT RECIVED ANY BILLS ANY NOTICE NOTHING AT ALL FROM THIS CC COMP AND NOW I OWE THEM 800 AND NO ONE CAN SHOW ME WHAT FOR

I just looked at a detailed bill from a new Charge account with Capital One. On the statement, I have been charged every month since February of 2009 from a Creditinform vendor with the number [protected] for 8.99 each month. There is no mention of this vendor anywhere throughout my paperwork and as I dug a little further on some search engines, I find this is basically a European compnay with no ties to the Americas that literally allows and provides people to spy people financially for a fee. Who else has had this happen to them and what is or was your outcome? I am awaiting a response from the company and will keep you posted as to what happens, if anything.

I am a Senior Technical Architect with two degrees in Computer Science. I have a Bachelors of Science Degree in Computer Science from the University of Minnesota and a Masters Degree in Software Engineering/Computer Science from Northwestern. I have worked as an Engineer, Programmer, Project Manager, Development Manager, and my last position was a Senior Technical Architect for Capital One. My position was eliminated and retitled about a year ago and given to an Indian H-1B visa worker from Bombay India. I had worked for my former company for 8 years providing them with quality results that were on time and on budget.

Capital One began a cost cutting program and eliminated 40% of it's technical workers. I was one of them. The company then hired 14 H-1B visa guest workers from India to fill in for the laid off full time American workers. They even had the balls to ask me if I would come in and train the H-1B visa workers on systems architecture and network design! I said I would just so I could go back into the company and tell my ex-boss and his boss to go and F**K THEMSELVES!

I let my ex-boss know that what they did was immoral, downright weasel like, and probably illegal. I also let them know that I regarded their short sighted grab for profits by selling out American employees to be the ultimate sign of corporate malfeasance and cowardice. I said it loud enough so the entire department could hear me, including the Chief Technical Officer down the hall. I walked out of my ex-boss's office and through the main area in the IT department towards the exit. To my ultimate surprise, the IT employees came out of their cubicles and applauded me! The H-1B visa techies sat at a conference table in the main IT area looking utterly horrified at what they had just witnessed. My ex-boss just stood near his office silent, red faced, and apoplectic. Before I left I told everyone to remember that employee performance reviews were coming around for the management teams and to remember the poor management shown thus far.

I have complaints filed with the DOJ, INS, State of Virginia, Henrico County, and am contemplating filing a civil lawsuit.

Here's some news for those scabs-I worked 70 Hours plus per week as an exempt employee. I busted my ### 6 days a week to implement technical solutions your H-1B consulting companies wouldn't touch because of the technical complexity and need for real hard core technical smarts gained from experience, not just pumped into your head in a technical cram for the job interview. I have worked with some super smart H-1B software engineers in the past, I have also worked with H-1B visa 'Technical Engineers' who couldn't figure out how to subnet a simple IP based network.

Now its difficult to get back into the IT Field as more and more if your name isn't indian sounding you simply will NOT get that all important second interview. It becomes obvious when your interviewers are all Indians that what they are looking for is the one skill I do not possess.. that being, I am not an Indian!

Obama should do something to put a STOP to this racism towards American workers on our OWN SOIL!

I finance my car with Capital One Auto finance 3 years ago. My monthly payments are $432.00 and I currently have a balance on the loan of $7200.00. I lost my job a while ago and my unemployment has run out. I sent Capital One a buy out offer of $4500.00 thinking that they would counter offer about $5500.00. The car is 8 years old and the kelly blue book value in good condition is $5200.00. They never responded my offer so I called them to inquire the status of my offer. I was told that I would have to pay $6900.00. I asked how did they come up with that figure and they stated from the kelly blue book which was not true. I explained that if I owe $7200.00 and I paid this months car payment of $432.00 the amount owed would be less than $6900.00. They stated no it would not because the interest is accruing daily on the principle. I explained that I had no further income and was borrowing money from a freind and the most I could come up with is $5500.00 which is more than the kelly blue book. They stated that was their final offer. I asked if I could get the offer in writing and was told because I filed bankruptcy last year they could not send me a letter stating the payoff amount. I was very upset because they was not willing to work with me nor was the willing to put thier offer in writing.
I will tell every person I encounter not to finance threw Capital One, with the economy being what it is today you would think they would be willing to work with someone who pay thier monthly payment on time and has fallen on heard times.

I have held a secured credit card with Orchard Bank (HSBC) for over 2 years in good standing. I recently applied for an Orchard Bank Credit Card. When I received the new card in the mail, I activated it. I then went online to set up my online account access. Under my statement, I noticed the annual fee (expected) and a "rush processing fee" for $35.00 (unexpected) had posted to my account.

When I applied for this card, I did not immediately need to use the card so I did not request a rush processing fee. I sent an e-mail to Orchard Bank requesting the "rush processing fee" be removed. Their response: We value your business and are glad you contacted us concerning your card. As of 04/29/09, our records indicate that the rush option was selected at the time of application. Please be assured, you will receive you credit card within 3-5 business days from the account opening date."

I have responded back, asking to have my original request for the fee that I did not authorize be honored. I also requested my e-mails be submitted to an account manager.

I filed an online complaint and sent a copy of my e-mails to: The Office of the Comptroller of the Currency "created by Congress to charter national banks, to oversee a nationwide system of banking institutions, and to assure that national banks are safe and sound, competitive and profitable, and capable of serving in the best possible manner the banking needs of their customers." email address: Customer.[protected]@occ.treas.gov

Currently, I retain my other HSBC Orchard Bank Card in good standing. But if this minor $35.00 fee is not removed, I will close both account.

References
Comptroller of the Currency Administrator of National Banks, U.S. Department of Treasury. (2009). Retrieved April 30, 2009 from Consumer Complaints and Assistance: http://www.occ.treas.gov/​index.htm.

Never, Never go to Capital One Auto for any loan. We have had a loan with Capital One Auto and paid them off. We got another loan with them, fell behind in payments and wanted to refinance through a hardship, they wouldn't allow us because we haven't paid on the car for 24 months, so therefore we either had to catch up on the payments or do a voluntary reposession. They are a terrible company with terrible people who work for them. They are of no help to anyone. Stay clear of them.

Ms. Austin, KY