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Capital One
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4.3 5156 Reviews

Capital One Complaints Summary

173 Resolved
849 Unresolved
Our verdict: With Capital One's very poor resolution rate, careful consideration is needed. Research their service comprehensively, and read up on how they handle customer disputes. If you face issues, be prepared for potential challenges in obtaining resolutions and explore other service providers as backups.
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6:32 pm EDT

Capital One harrassment, false claims, car repo!

From the beginning of deciding to buy a car through the blank check program I had nothing but issues. I purchased a used 2007 Vw Jetta back in Dec. 2012, I took my blank check to the dealership thinking it would be a quick smooth process, I was wrong . To shorthen this part of the story, it was bait and switch they told me specifically what my interest rate and payment would be then it was something completely higher in the end! The payment was way higher than it should have been and I tried for almost two years to refinance with Capital One with no success. On top of that the car I bought I found out recently it needs new transmission, Coolant fans, and O2 sensors at cost over $7000! The car value is not even that much! So after getting laid off from my job I fell behind in payments yet I still made my regular minimum payment which they told me they would accept this payment arrangement since I was still making the minimum. Well this morning I get ready leave the house and my freaking car is gone!. So I immediately think of Capital one and call them. I'm transferred to some other department and ask guy if they came and repossessed my car! He puts me on hold to look up my information and comes back and sure enough they took it! My issue is I just paid them two weeks ago and they took the payment and cashed it in, but the guy I talked to told me if didn't matter if I still made minimum payment because I was behind and at Any time they could come to repossess my vehicle, which is total opposite of what the customer reps told me on the phone that claims they were working with me, so here's a word of caution and please take heed. Do not believe them if they tell you they work with you and to make your payment if you fall behind, they will STILL repossess your car! It didn't matter I just paid them two weeks ago and here's the kicker, my next regular schedule payment is not until September 21! You are better keeping your money in your pocket especially since they will reposses your car regardless! You will need that money when you are stranded and have no vehicle to get around with, Capital One are a bunch of liars, and shady, do not get financed through them. Another thing is when you get behind in a payment they will call and call you every day, total harassment even if you already talked to them once they will continue to call you non-stop!

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2:52 pm EDT

Capital One no refund of reward miles

My wife and I reserved a hotel in Paris for August 13-19 but had to cancel in June because of a medical emergency. Cap One contacted the hotel multiple times to get our 101, 000 rewards miles reinstated. They seemed to try hard, but the hotel ignored their phone calls and emails for two months, then finally refused the refund. So my complaint with Cap One is this: Why do they allow a vendor/client (the Melia Royal Alma hotel) to ignore their emails and phone calls and abuse their customers whom they represent? They have the leverage with the hotel to get this done, but they did not use it. They gave in. The only reason we are with Cap One is for the double miles. Now that does not seem as appealing.

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11:20 am EDT

Capital One unwanted mail. unauthorised collection of my name and address details

I am fed up receiving junk mail from companies whose products I do not need. I didn't give them my name and address so they have 'bought' it from another company, or possibly stolen it. When I went to their web page to tell them to delete my details from their database I find that there is no email address, only phone numbers and addresses. I was going to post their application form back to them and tell them, in garage language, where to go. Instead, I type in 'Capital One A**holes' and read about a person getting a lot of hassle from Capital One. I find this Complaints Board procedure at the top of the page and decide to see if it's worth the bother

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7:01 pm EDT

Capital One capital one commits fraud

hello.a month ago I started receiving statements that my account was 120 days past due...the problem is I don't have an a capital one credit card.i looked into indentity theft but realized capital one is the one commiting fraud.i asked for proof that I opened the account and they sent me an old application from when I had there card 5 years ago.they just changed the dates, anyone else having this problem?

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10:09 pm EDT

Capital One banking protection from illegal charges

I have run a small business and i have a business account with capital one. On jun 4 i saw a unauthorized debit of usd 530. 18 to my account which was done on jun 2. I contacted capital one and filed a complaint about the unauthorized charge. The agent filed my claim and was advise that i should be hearing from them. Today jun 10 i received a mail from the bank saying that they deny my claim because i did not report within the time frame required. I was shocked. I reported within 2 days of the incident. I called the bank and the agent said capital one policy for business account is within 24 hours only. The agent mentioned over 20 times the same sentence when i try to justify what about the business owner's protection com ? She just wanted to brush me off with the same note. I was persistent and eventually i was transferred to supposedly a manager to lodge my complain. Meanwhile as i was waiting for the manager to come online (Which he did after 10 mins) i placed a call to chase business banking section. I asked them their policy and the agent checked and advise chase allows max 60 days to client to dispute the charge or debit to their account. Same was conveyed to the agent that came on line eventually. Again complained was raised. Explained the whole 9 yards. Now i am given another complain number to follow up. My point is in today's world of cyber hacking and theft how will 24 hours protect us ? Only 24 hours protection is totally not acceptable. Capital one does not want small business owner to bank with them ?

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The Truth You Must Know
, US
Jun 11, 2015 7:23 am EDT

The dispute policy was made perfectly clear to you when you created your account. If you found it not acceptable then, why did you create it and not go to a bank with a policy more to your liking?

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3:55 pm EDT
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Capital One hard inquiry on my credit bureau

Trying to get my credit score to increase so I would be eligible to apply for a VA loan, I took the advise given to me on Credit Karma's website. They advised applying for a credit card through Capital One. Capital One had a big picture on yahoo, and still does stating the following: "FIND YOUR MATCH NO CATCH" See cards you may be eligible for, in under a minute WITHOUT affecting your credit score. There site once I clicked onto it says the following: See if your pre-qualified for a card in less than 60 seconds. Their 3 subtitles say: 1) see offers in less than a minute 2) There's NO HARM to your credit score 3) it's fast, secure, and easy. Because I was advised via Credit Karma to apply for this card "WITHOUT AFFECTING MY CREDIT SCORE AND NO HARD INQUIRES, I did apply and was denied. Next day I checked my credit score as I had an alert from Credit Karma and there was a HARD inquiry made from Capital One. My credit score dropped from high 570's down to 529. Had I known this was going to be a hard inquiry, I would have NEVER visited this site or apply. I on the same day got a secure credit card from my own insurance company USAA. My credit score is now 596. Had that hard inquiry not have been made, I could potentially been eligible for my VA loan. I feel this was a way for Credit Karma to pair up with Capital One where both make money from the less fortunate. Credit Karma sends you to Capital One, if approved Capital One wins, so does Credit Karma, if your denied, then Credit Karma keeps you coming back for more scams and suggestions. I want this inquiry removed immediately from all my credit bureaus. I have a copy of the ads that were posted. Sad to scam folks trying to repair their credit by deceit.

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12:35 pm EDT

Capital One customer service

So their services flag fraudulent charges on my credit card and I call them. The worker in the fraud department says all charges will be removed and a new card will be issued. Splendid, unfortunately that information was a lie. One of the charges was pending so it took a day or two to post. Instead of that charge being removed it stayed on the account ans was charged a second time to the newly issued card. .I call the fraud department again. They tell me it takes three days for the charge to come off and they will handle it. Fast forward three days, the charge is STILL on the account. I call the fraud department a third time. After 20 minutes and the personnel telling me someone else dealt with it improperly, they would handle it. They also responded with a "Yes" to the following question "The next time I log into my account the charge will be removed then, right?" Three hours later, I log back in. Not only is the charge still on my account, the interest from the charge is on my account. I call back a fourth time only to be told it should come off in 72 hours but it might take one or two billing cycles for the investigation to be concluded.
So, I was told initially all the charges would come off and one week with four phone calls and three live chats later I still don't have a resolution to this problem. When I contact Capital One via e-mail asking for someone from customer service to call me, they responded saying sorry we can't call you, but you can call us.
Never in my life have I experienced such misinformation and/or lies from a company. On a side note, the fraudulent charges took place in Arkansas and I live in Michigan. I also have no history of issues with fraudulent charges in the past after having this card for 10+ years.
This organization has no business operating and I cannot wait to cancel my card and have nothing to do with them for the rest of my life. If they end up being the only bank left during my lifetime, I will keep my money in a box in the ground or a toilet rather than have to deal with them ever again.

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djconklin65
St. Paul, US
Jul 07, 2015 11:18 am EDT

I've had my account with them since 2012. No problem till recently. Some "specialist" has restricted my account on a hit-and-miss basis. For instance, when I was out in CA, I'd go to a small shop and buy some stuff. 3 out of 5 times there's no problem. Then almost every 3rd day or so, the charge would be declined! I had chatted with someone about this three times already--the second time I find that out that the 1st person didn't remove the restriction properly. Recently an initial charge for a moving company went through without a hitch, yesterday it the final charge failed. Now when I chat with Cap1 I find that they can't do it from the chat line. I have to call. With no phone? And even if I had one, I couldn't hear because I 'blew out" my ears back in August. And apparently the "specialists" haven't moved into the 21st century and can only deal with you by phone, OR snail mail!

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10:31 am EST
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Capital One no notification of payments

I opened a Capital One credit card through Guitar center for a little but of fun in August. Small credit line and tiny monthly payments made this indulgent purchase palatable for the wife.

All is fine and I register online for automatic payments, however I change banks midway through September and forget to update this banking information on Capital One and therefore miss the first payment. I am very kindly contacted by the customer service team and we set up the new banking information over the phone and also set up the direct debit every month with the customer service lady on the phone. All seems to be fine. Oh by the way send me electronic statements whilst we have her on the phone as this seems much more efficient.

Fast forward to December 24th (today) and exactly 87 days since the last phone call, I have a call from my credit monitoring agency, I have a delinquency 30 day late notice posted to my account today from Capital One. Must be some sort of mistake I am thinking I will give them a call and find out.

Actually no there is no mistake on their end of course! The payment made on 28th of September was a one time payment and they don't even set automatic payments up over the phone. So I have now missed, October, November and December's payments and when I ask why didn't I get a phone call or an email stating that I was overdue or late, their response is "that is not our responsibility to let customer's know they are late or will be reported to the credit bureau. The call that you received on the 28th of September to let you know you were late was a courtesy and you should be grateful we let you know at that time." The guy actually went as far as to suggest I should learn how to use my email properly to check my statements. (FYI - I recorded the hour long conversations with both customer service representatives, I will post that online as it is perfectly legal to do so since as the calls started they inform that calls may be monitored and recorded for security purposes - that works both ways).

Obviously I am stunned with this response. According to Capital One, they were sending me email statements, which whilst technically true is not really that accurate. The email they send you states "Account Statement Available" but you have to login and check. For such a small monthly payment I did not think it was necessary to check every month and actually completely forgot about this account as I was told by Capital One that we had setup the monthly payments.

What blows my mind is that a few days ago, I did get an email which stated I was late on my December payment which I have moved to rectify immediately. Why didn't I get the same email in October and November? I would have taken care of this immediately! Now for a luxury small purchase I am going to pay the price for the next 7 years until this drops off my credit report.

Any other financial institution I have ever dealt with if you are late by a day they will hound me until I get the issue resolved. I was a day late dropping off the mortgage check last month as we came back from vacation late; I had about 50 missed calls when we landed from Wells Fargo and it got sorted out very quickly indeed!
Capital One as far as I can see, want to lure you in with 0% deals and the trick you out of them and into paying their interest and late fee's. I have no problem if that is their game since I will never use them ever again, close my business and personal accounts with them and tell everyone I know what thieves they are. However when they go as far as to report me to the credit bureau's without notification, and in essence completely and utterly destroying my financial portfolio and refuse to accept that there is accountability on both sides, I believe this is quite possibly the worst and morally corrupt company I have ever dealt.

On a final note, the last chap I spoke with was very helpful. He has given me the fax number and address to write to the appropriate people explaining as I have done here. He even told me of a similar story only yesterday where the customer was not receiving statements either by mail or e-mail so didn't know he was delinquent and they still reported him to the credit bureau. What a complete and total bunch of thieves.

It really says a lot when Bank of America customer service can beat another financial institution as well known as Capital One.

What's in my wallet now? Not this company ever again.

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rich12072
Bridgewater, US
Mar 18, 2015 11:23 am EDT

Same thing just happened to me. We made the mistake of paying once we received the invoice via mail. Well we checked all over the house looking for mail from them.. We did get promotional email, but for going on three months now, mailed invocies (bills) have mysteriously stopped coming. I could see us misplacing one, but NOT three. We have pretty darn good credit and stay on top of it all as best as we can to avoid 30 days late payments ruining our credit. Capital One waited until we were already more than 30 days late before sending an email that we were late, and the email didn't even mention that the prior month's payment was past due more than 30 days!..It is clear to me that Capital One has a business model to make tons of money by figuring out ways to trap customers into owing late fees. Of course they are not to blame but when one sees how others financial institutions stay in contact and notify customers only a few days past due, this is clearly not a company one wants to deal with.

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MkStItCh
West Seneca, US
Dec 24, 2014 2:05 pm EST

#1. FYI - I recorded the hour long conversations with both customer service representatives, I will post that online as it is perfectly legal to do so since as the calls started they inform that calls may be monitored and recorded for security purposes - that works both ways.
... In fact, this is not true. You can not record most conversations on the phone without fist getting permission in most states. If they inform you that the call might be recorded for security purposes then they may record it for that reason. If you do not want the call recorded then you must let them know. This does NOT give you permission to record the call.

#2. You chose not to look at the statement they offered AND you did not check with your bank to make sure it was being paid. That is on you as well since the statement more than likely have notations about the lack of payment. This would be them informing you that the payment is over due. I also have been late 1 time with my mortgage in the last 26 years and they sent me a notice the next day. NO PHONE CALLS, NO PEOPLE STOPPING AT MY HOUSE...Just a statement saying it was late.

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4:05 pm EST
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Capital One mysterious account

I recieved a collection notice from protfolio recovery for a credit card company capital one bank, for $728.00.This isn't account Ive been aware of. Although some years ago I was a victim of fraudulent activities, in which I filed a police report. Mysterious accounts from time to time. Ive gone through a great ordeal behind all of this. As a disabled woman I don't have the means to right any wrongdoing I just know that I didnt personally open account with them years ago. At this time I do not have a police report on this fraudulent activities it was some years ago but its possible its on public records but in my condition its difficult to obtain these as mobility is one on my handicap. Im disputing this account. Thank you.

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Update by Dedra Williams
Nov 18, 2014 4:23 pm EST

Police report.against a coworker at that time Kaye stegale in 1993 has been filed and I had a lawyer Richard Pizzo who also was aware of this matter and he addressed this issue as well as a accident I endured in late 1999 as I became a victim again by another coworker Ladonna Clark. Postmaster had to supple information to Southwestern bell to resolve a bill for a residents I never lived at but that coworker indenty theif had a phone number under my name with a bill of 500.00. From 1993 til mid 2000's I was made aware I was a victim of many different disputes which where resolved at that time.

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Gebbelsa
, US
Sep 14, 2011 8:45 pm EDT

I do mostly online banking for bill payment. on 07/13/2010 I posted 4 bills . I got the confirmation as i always
get. but next bill I was surprised to see the late fee on those bill that I sent . I rushed to my bank to solve the issue.
they couldn't help me…just apologized …that's all.. I reckon this free checking bank it crap… I should take my business elsewhere…

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johnsonlm
Haslett, US
Sep 18, 2009 8:03 am EDT

I have a health care loan with Capital one, I have been trying to get them to re-finance the loan so I can have lower payments. I have been having financial problems and need lower payments. My hours at work have been cut. I can't afford the payment right as it currently is. As a result, I have gotten behind in my payments.

Please help

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Gunit
, US
Dec 01, 2011 4:27 pm EST

Worst bank ever. tried to close out acct got runaround & supposedly mailed check on 5/3/11...still waiting. don't think cks in the mail!

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wvjohnson
District Heights, US
Dec 14, 2010 6:40 pm EST

changed names of the previous bank did not inform me that they where changing there guidelines about using your atm/debit cards allowed my account to overdraft without updating my account information cause my account to go into overdraft and is still adding charges torwards the account.

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Big L
, US
Feb 23, 2010 4:34 am EST

Hey there shoppers. Want to compare notes as to which CREDIT CARD ISSUER SUCKS THE MOST? F&^$$^*%#ING CAPITAL ONE JUST TRIPLED THEIR RATE (4.9% - 15.9%)BECAUSE THE F^%&^^%#ING CAN. What's in your wallet?

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1:35 pm EST
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Capital One The worst bank ever.

In april 2014 I opened a account on capital one, they gave me a platinum master card, and a credit line of $500, after I made a deposit of $200, and paid the fee of $19, I thought it was a credit card and thats why I got it, but they never let me use more than the money I deposited on this account, and every months they charged me a higher fee, so I feel like I just lost money with it, even after I closed this account they still make me pay for $81 dollar, which I just paid cuss I don't want things to get worse, I am trying to build up some credit and can't have them messing up with it. But I am very unhappy with capital one, I fell like they only use people like me to take vantage of, and will keep doing it unless something is done about it.

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Atnhony Nigro
,
Jan 11, 2008 12:00 am EST

I can't get a live person to speak with at customer service ,this is terrible what number do I call to speak with a live person Thank You

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ronald Limbourne
Bullhead City, US
Nov 21, 2013 5:45 pm EST

I was charge for $95.00 for checkcard 1012 FACEBK *X9puy4n3t2 www.fb.me/cc

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6:09 pm EDT
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Capital One withheld money

I received a letter from Capitol One stating they were holding $3, 000.00 from a acquired bank I once had and listing a phone number that is a recording. I can't seem to get any answers from them and they never turned it over to the state as required by law. Something smells really bad at Capitol One, , , , What's in your wallet?

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Rodney Marois
Peterborough, CA
Sep 11, 2014 7:24 am EDT

I hate them as well I had $300.00 limit and got supplies from Staples as well and I was nailed over 1 thousand dollars like What the Heck? so I never paid them since I got scammed. my deposit for security was 200 I paid it.

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MkStItCh
West Seneca, US
Sep 11, 2014 7:11 am EDT

Are you sure it is Capital One and not a scam?

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11:35 am EDT
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Capital One will not return initial deposit

In September 2007 I opened a $300 secured credit card account with HSBC's Orchard Bank My personal Bank at the time was Wachovia and as far as I remember I transferred the money from my checking account to Orchard Bank to open the secured line of credit. Recently I decided that I no longer needed this card and contacted Capital One for a refund. In the years since 2007, Orchard Bank was taken over by Capital One and Wachovia was taken over by Wells Fargo. Neither institutions have any records that I can access that show how my original secured credit card account was opened. When the credit card account was transferred to Capital One is was transferred as an "unsecured" credit card & Wells Fargo cannot access my records of 2007 (?) I finally got through to someone at Capital One who assured me that my concerns would be dealt with in 5-7 business days - that was over 2 weeks ago and despite repeated calls I cannot get anyone to give me the information of how this account was originally opened. Now I may be mistaken, maybe I sent them a money order or a bank check but they should have some information available to a customer of 7 years! I know the account was opened as "secured credit card" because I was totally unable to get an "unsecured credit card" at the time. Basically they ripped me off for $300 and refuse to contact me with any information. Just another way the banking industry is ripping apart our economy - stay away from Capital One!

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10:15 am EDT

Capital One data breach by capital one employee

Capital One bought HSBC. I had an account with them so I received several letters in regard to this. One of them advised that I would be able to link the HSBC account to the Capital One account. When the time came to do this, they wouldn't allow it because I had closed the HSBC account. I can no longer make payments or do anything online in regard to the HSBC account even though it's now with Capital One. I closed my HSBC account myself. This is now their reason for not allowing me to link it. I actually had to call Capital One to make a payment. The employee then took it upon herself to access my Capital One account without my permission. She was reading information from my account to me. I told her that what she had done was wrong because I didn't give permission to access that account. I then spoke to a supervisor who pretty much ignored my complaint about what the employee had done. All he cared about was getting a payment. I called directly to their corporate headquarters this morning and basically got the same information. They didn't care that the employee had breached my account without my permission. They only want their money.

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5:33 pm EST
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Capital One Felonies, labor laws

The Capital One facility in Plano is intentionally abusing the H1B Visa system. They have approximately 70% of their intellectual-educated workforce composed of all H1B Visa workers. It is statistically impossible for C1 to post jobs and only be able to find foreign workers for them. What is really going on? They are actively falsifying H1B Visa documentation to claim that they can't find a US citizen to take the job. It is a felony to intentionally falsify a Federal document. C1 is also guilty of having workers work for more than 40 hours per week but only paying them for 40 hours. This, again, is illegal. You cannot defraud the Federal government of it's Income, Social Security and Medcare taxation revenues. Hours worked are not documented or paid so the taxes on the wages are never reported and never paid. IF YOU HAVE A BANK ACCOUNT, AUTO LOAN, MORTGAGE, OR CREDIT CARD WITH ANY OF THE BIG BANK (JP MORGAN CHASE, BANK OF AMERICA, WELLS FARGO, CAPITAL ONE, OR ANY OF THE OTHERS PLEASE DO US ALL A BIG FAVOR AND GET A DIFFERENT LENDER. CREDIT UNIONS WILL GIVE YOU A HOUSE OR CAR LOAN. FIND A SMALL LOCAL BANK FOR CREDIT CARDS.

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11:20 pm EST
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Capital One short line long wait

While the bankers are all real nice and helpful there is no reason that with 4 tellers behind the counter i had to wait 45 minutes to deposit a check...there were 3 people in front of.me. ive opened accounts at other banks quicker than that...they take the quick out of a quick stop at the bank. Now i dont go to the bank unless im free all day

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3:31 pm EDT
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Capital One false sales receipt

A few month ago I notice a charge of $64 on my credit card which was not mine.
The alleged purchase was made at a shop which I had never set foot in in my life before.
I disputed the charge and capital one send me a letter which had what appeared to be a photo-copy of the sales receipt on it... And a signature which did not look like mine.
Capital one claimed, that I indeed made this purchase and they had the proof... Right on this piece of paper they send me... Dispute denied.
I wen to the store (Krogers here in houston) and the manager (A lady) told me a few things I did not had realized.
The apparently copy of the sales receipt on the letter from capital one was a fake.
A fake done by capital one, because 1) the kroger's logo was an old one. 2) the street address of the shop was mis-spelled 3) the tear-off line of the sales receipt looked very artificial. 4) the sales receipt is never scanned. This is a 100% electronic transaction.
With other words, capital one generated an artificial sales receipt.
After talking to the capital one investigator (Who did not admit to anything I said above), the charges on my credit card were finally dropped.
I will never know what really happened.
He said, that someone made a copy of my credit card... Maybe... I got a new card, just to be sure.
My advice:
# like hell if the truth is on your side. You have to spend a lot more sweat and tears than $65, but I will make a stink for a nickel.
The credit card company will not make it easy for you to dispute a charge.

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2:44 pm EDT
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Capital One fraud

I made a purchase online with Amazon.com and sadly my payment was declined. As I looked over my Amazon payment method account information, I noticed that my bank account number was of a number I never had, causing this decline. But as my payment was declined, the money to cover these purchases was stilll extracted from my account, one even stated as a customer withdrawal, in which was not made by me. I went into the bank to get help and was told that an image of the actual withdrawal would be done and my money was returned, while at the same time the money to cover the two items I had purchased is stilll missing, that of $137 and change. I soon got statements from a company I never heard of, named Telecheck, who asked me for the money that was returned to my account, but at the same time the money I originally had to make these purchases, is still gone and Telecheck has been paid, because my bank could not back up my knowing that my money was gone, already. Today I am stilll doing the majority of my shopping online, as I am physically challenged, so this way I don't have to put myself through much pain and trouble of walking it. But I think I will leave Amazon, alone! And as far as it goes with CapitalOne Bank, I've had this trouble before and was made to feel as if I had no business writing to the Office of the Controller of the Currency, in NYC and TX, as I have done so for over eight years in seeking them to help me with people who blatantly took money right out of my accounts and are stilll to be the blame even for this most recent theft. Thank You, for this opportunity to express myself, openly!

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5:44 pm EST
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Capital One scammed into paying off balance early

I have a platinum capital one card I wanted to use to rent a car because it provided insurance saving me $20 a day with the rental agency. At the airport while out of town I called the credit card company to pay down my balance enough in order to have the funds for the rental transaction. I was told the only way for it to go through immediately was to pay western union or moneygram and call them back with the transaction number, all other methods would be the next day. I was fine with this and found an airport terminal with a western union where I set up this transaction paying over $400. I called back with the number for it to go through to be told it would not go through for two more days. My account had been over balance for 28 days which could not be released. So the lie by the first agency was in order to trick me into paying off my entire balance when I could have just paid them $80 as my regular payment. They tricked me into spending all of my travel money on the card that was not unavailable to me. Also I had to pay for the rental car agencies scam insurance (i don't own a car and have private insurance) this cost me another $20 a day for the length of my trip adding up to another 200. I can't split the rental into different transactions and it must go on that scam of a card with capital one in order to get the insurance. The agents the second time around told me first it would be available tomorrow then realized they were again correct and it would be available in a few more days because of the cut off time and weekend. In response to stealing $600 dollars from me and ruining my vacation they gave me a $35 credit. If I had not been lied to in the first call I would have just had to pay the expensive insurance and be done with it. Now I have paid off a credit card and paid for the expensive insurance because they are scam artists.

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Capital One renigued on debt settlement

Legal Helpers, LLC, a Debt Resolution Company, negotiated for my wife and me on December 23, 2011 with Northland Group, Inc, (Minnesota), a collection agency, in behalf of Capital One. It was agreed between Northland Group, Inc. and my wife and me, that we would pay a settlement of $6, 084.69 on our credit card account with Capital One. The amount would be over a period of 7 months, and then the debt with Capital One would be dissolved. We paid the entire amount of the settlement to Global Client Solutions, a company in Tulsa, Oklahoma, that deals with managing the payments for people who are paying debt settlements. They, in turn, make sure that our payments are made to the correct collection agencies...in this case...Northland Group. After sending in our money, after the first 3 payments, something happened that sounds criminal. Our account that was with Northland Group (so an agent there told me) was closed because Capital One "recalled" (whatever that means) the settlement. So, we were abused and literally betrayed in our honest effort to pay out and complete what appeared to be a legitimate transaction. These people NEED to be taken into account for what appears to be a very criminal behavior. I have read in various places on the Internet that Capital One is notorious for cheating customers. Somewhere, it was stated that Capital One has the highest rate of about any company for their abuse of honest citizens.

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Capital One loan modification denial and foreclosure

On August 29th, 2012 Homeowner retained Amerif Mortgage and Associates to help her with the loan modification paperwork and process. Throughout the process it was extremely difficult to get in contact with the assigned Point of Contact to confirm receipt of documents, receive status updates, etc. After many internal complaints on our part as the Authorized Third Party, we finally were entered into underwriting on December 27, 2012. Within 8 days, on January 4, 2013, Homeowner received a Letter of Denial, siting the reason as a "Failure to Meet Income Criteria". On January 14, 2013 Amerifi Mortgage processor Jane La Trace made contact with Steve Zimmerman, the Account Manager, and was able to procure the exact reason and formula the Loss Mitigation Underwriter used to calculate the income. Jane explained that the Homeowner is a teacher/educator and has many deductions that greatly reduce her ability to afford her monthly mortgage payment. Account Manager Steve Zimmerman explained that the Loss Mitigation-Underwriting department refuses to consider the Homeowner's pay deductions, and only considers the gross income as the qualifying numbers. Jane raised the issue that the point of the request for loan modification filed in August of 2012, four months prior, was to get the needed modification to avoid further default, and foreclosure, as the homeowner has every intention of retaining her primary residence; and that the delay on Capital One's part to move the file into underwriting, has caused a arrears $15, 628. The Homeowner is now facing foreclosure and has no viable options available to prevent foreclosure.

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Sherieh
Eugene, US
Feb 24, 2013 7:27 pm EST
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I helped my parents with the work out papers to potentially modify their loan. They have never been late on a payment but have an interest only loan. Their loan balance $700, 000 and the value is around $425, 000. I sent the package certified mail in early October. It took over 3 months and many calls to get the underwriting done and all they needed ultimately were three things: a blank last page on their bank statement, a date on their explanation letter (even though it was sent certified mail) and they wanted their w2 written in a profit and loss format.

Four months of stress and hope and we get a denial letter which was incredibly confusing. The deniel letter said we had 30 days to write to them if we wanted to know the REASON of the denial. Of course we want to know!

Now what.? If they do a short sale, no one in our family is allowed to purchase the home for them ---so a stranger can buy the home at the current market value!

It's sickening because my father is ill and this stress is making it worse. Some other person will get a mortgage that my parents would have been able to afford as well.

Capital One Customer Reviews Overview

Capital One is a well-known financial institution that offers a wide range of banking and credit services to its customers. The company has received numerous positive reviews from its customers, highlighting its excellent customer service, easy-to-use online banking platform, and competitive interest rates.

Many customers appreciate the convenience of Capital One's online banking platform, which allows them to easily manage their accounts, pay bills, and transfer funds from anywhere. The company's mobile app is also highly rated, with users praising its user-friendly interface and helpful features.

Capital One's customer service is another area where the company excels. Customers report that representatives are knowledgeable, friendly, and responsive, and that issues are resolved quickly and efficiently.

In terms of credit products, Capital One offers a variety of options to suit different needs and credit profiles. Customers with good credit can take advantage of the company's low-interest credit cards, while those with less-than-perfect credit may benefit from its secured credit cards or credit-building programs.

Overall, Capital One is a highly regarded financial institution that offers a range of products and services to meet the needs of its customers. Its commitment to excellent customer service and user-friendly technology make it a top choice for many consumers.

Capital One In-depth Review

Overview: Capital One is a leading financial institution that offers a wide range of products and services to meet the diverse needs of its customers. With a rich history and a strong mission to provide innovative financial solutions, Capital One has established itself as a trusted name in the industry.

Products and Services: Capital One offers a comprehensive suite of financial products and services, including credit cards, banking, loans, and investment options. With a focus on quality and variety, Capital One ensures that customers have access to a range of options that cater to their specific needs. The company's commitment to innovation sets it apart from competitors, constantly introducing new and improved offerings.

Customer Experience: Capital One prioritizes customer satisfaction, providing an exceptional user experience on its website. The user interface is intuitive and easy to navigate, allowing customers to access their accounts and manage their finances seamlessly. The customer support channels are efficient and responsive, ensuring that any queries or concerns are addressed promptly.

Account Management: Capital One offers robust account management features and tools that empower customers to take control of their finances. The online banking capabilities are comprehensive, enabling customers to make bill payments, transfer funds, and monitor their accounts effortlessly. The mobile app is user-friendly and provides a seamless banking experience on the go.

Interest Rates and Fees: Capital One offers competitive interest rates on its financial products, ensuring that customers can maximize their savings and investments. The company is transparent about any associated fees, providing customers with a clear understanding of the costs involved. Capital One's pricing structures are in line with industry standards and offer value for money.

Security and Privacy: Capital One prioritizes the security and privacy of customer information. The company implements robust security measures to protect customer data and maintains strict privacy policies. With a strong focus on fraud prevention, Capital One provides customers with peace of mind and offers dedicated support in case of any security breaches.

Rewards and Benefits: Capital One offers attractive rewards programs and benefits to its customers. From cashback rewards to travel rewards and loyalty programs, customers can enjoy the flexibility and value of these offerings. Capital One's rewards programs are competitive and compare favorably with those offered by competitors.

Financial Education and Resources: Capital One is committed to empowering customers with financial knowledge. The company provides a wealth of educational resources and tools, including blog articles, guides, and interactive tools, to help customers make informed financial decisions. These resources are easily accessible and highly useful.

Community Involvement and Corporate Social Responsibility: Capital One actively engages in community initiatives and demonstrates a strong commitment to corporate social responsibility. The company supports various philanthropic efforts and partners with organizations to make a positive impact on local communities. Capital One's sustainable practices further contribute to its reputation as a responsible corporate citizen.

Overall Rating and Conclusion: Capital One excels in providing a comprehensive range of financial products and services, coupled with an exceptional customer experience. With competitive interest rates, robust security measures, attractive rewards programs, and a commitment to financial education, Capital One stands out as a top choice for customers. While there may be areas for improvement, such as further enhancing the mobile app's functionality, Capital One's strengths far outweigh any weaknesses. Overall, Capital One is highly recommended for individuals seeking a reliable and innovative financial institution.

How to file a complaint about Capital One?

1. Log in or create an account: Ensure you are logged in to your ComplaintsBoard.com account to proceed. If you do not have an account, please register by providing the necessary details to create one.

2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to open the complaint form.

3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Capital One. Make it specific and clear, such as "Unauthorized Charges on Capital One Credit Card" or "Capital One Account Closure Without Notice".

4. Detailing the experience: In the complaint details section, provide a thorough description of your experience with Capital One. Include key areas such as:

  • Customer Service: Describe any interactions with customer support, including wait times, the helpfulness of the representatives, or any miscommunications.
  • Account Management: Discuss issues related to online banking, mobile app functionality, or problems with managing your account.
  • Fees and Charges: Mention any unexpected fees, charges, or discrepancies in your account statements.
  • Loan or Credit Services: If your complaint involves a loan or credit card, detail the application process, approval, interest rates, or payment issues.
  • Dispute Resolution: Explain the steps you took to resolve the issue with Capital One, including any communication with the company and their responses or lack thereof.
  • Personal Impact: Share how the issue has affected you personally, such as financial stress, credit score impact, or time lost.
Remember to include relevant dates, transaction details, and any other information that may support your complaint.

5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence with Capital One, statements, or receipts. Ensure that you do not include sensitive personal information like your social security number or full account numbers.

6. Filing optional fields: Use the 'Claimed Loss' field to indicate any financial losses you have incurred as a result of the issue with Capital One. In the 'Desired Outcome' field, clearly state what resolution you are seeking, whether it be a refund, correction of an account error, or another specific remedy.

7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is correct and that your desired outcome is realistically and clearly stated.

8. Submission process: Once you are satisfied with your complaint, click the 'Submit' button to officially file your complaint against Capital One on ComplaintsBoard.com.

9. Post-Submission Actions: After submitting your complaint, make sure to monitor your ComplaintsBoard.com account for any responses or updates. You may receive feedback from other users or even from Capital One representatives, so it's important to stay engaged and respond if necessary.

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Contact Capital One customer service

Phone numbers

1800 481 3239 +1 (877) 383-4802 More phone numbers

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