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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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7:42 pm EST
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Capital One misleading apr on transfers

I have been a Capital One card holder for many years and usually pay my balance in full every month. I had a $3, 000 balance remaining on a home equity line of credit through another company that was expiring. Rather than pull the money out of savings I decided to take advantage of the promotion to transfer the balance at an APR of 1.99% for the first six months knowing that I could pay it off within that time period.

I paid my purchases in full on the next statement plus $300 toward the Special Transaction. When my next bill came the Finance Charges were itemized showing the 1.99% for the Special Transaction and 10.90% applied to the balance. When questioned, the Cap One representative stated that my payments would be allocated to the lowest rate first leaving me to pay a Finance Charge on purchases that I thought I had paid in full! Supposedly this is explained in the fine print at the end of my statement but I can't find it and I did ask about this specifically before I made the transfer. I feel that if the finance charges can be allocated on the statement then the payment should be as well otherwise the consumer is not being charged the 1.99% but rather a MUCH higher aggregate rate. This is just plain false advertising.

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1919
Kennesaw, US
Nov 01, 2012 12:12 pm EDT
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I bought a new vehicle with Capital One Auto. My (APR.) rate is crazy, outrageous..RIDULOUS and affect my health from lack of sleep.
I did not receive the APR rate in the contract prior to the purchase of my Automobile… I would have never agreed to this loan. As of yet I have NEVER MISSED A PAYMENT AND PAYING ON TIME.. but is TOO high. I have a financial Institution that I have been Banking with for 18 years and their Auto loan APR is 4 to 4.4%.. and if they have to increase it usually 11%.. MY APR with Capital One is 22.37% DOUBLE… My new Car only listed for $13, 000 my payment Original amount with Capital one is $22, 871.82… I bought the car in May 2012.., my payments is $579.71 a month… I have paid (5) payments already which is $ 2898.75 …. My CURRENT pay off is STILL! $21, 946.90.. I have a 2012 Chevy CRUZE not a MERCEDES, or LEXUS or RANGE ROVER a CHEVY! Because of the interest rate ( I only paid $952.45) toward the actual loan of the car my year interest is a whopping ($1, 973.63) for crying out LOUD! I am not rich yet! Capital One is ripping me off… Please help me decrease this APR … out let me return this car without effecting my credit. Of course like everyone else I have contact Capital One to no avail… It not like I am behind… I have been taken by this Company… I have heard this from other Financial Institution. Maybe I should put this on FACEBOOK, and YOUTUBE and let it go viral SO.. no other SENIOR Citizen Will be RIPPED OFF, by Capital One Auto Finance, California
When the contract was signed the finance charges were not indicated to me.. either covered with other documents I was signing at the time. It was not explained to me 22.5% or higher interest rate.. I was rushed to sign the papers and the 22% was not disclosed to me. I will find other consumers who are in the same position with Capital One. What makes you think any other company with refinance this loan.. WHEN CAPITAL ONE DOES NOT REFINANCE ITS ON LOAN BECAUSE OF THIS OUTRAGEOUE INTEREST RATE... I will contact all the WEb site of the News Media and Clark Howell until I receive justice on this ourageous interest rate.. When I or should I say by the time I realize I had been taken I reveiwed the The extense of the loan of 72 months I would have PAID
$41, 000.00 or more for this car that's list for $ 12, 000 - $18, 000. THAT IS DOUBLE WHAT IT IS WORTH.. I HAVE PAID EVERY PAYMENT ON TIME.. BUT THIS LOAN AND INTEREST RATE WAS GIVE TO SOMEONE WHO JUST CAME OUT OF HARDSHIP... SON HAVING A STROKE AND LOST OF JOB. TRYING TO RE-STABLISH MY CREDIT... THOSE ARE THE PEOPLE, , , CAPITAL ONE TARGETS... ONE THAT'S TRYING TO GET BACK ON THEIR FEET.. if the BBB can just post all of this information other will be aware of the CAPITAL ONE SYSTEM... They are worst that the CRagList... TAKER.
to the BBB I will not accept this offer.

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2:36 pm EST
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Capital One dishonest business practices

Like most other credit card holders my interest was increased; actually it was nearly tripled. Now Capital One refuses to authorize payment about every six transactions with no notification or explanation other than "potential fraud".
I have never had an instance of credit card fraud with Capital One, never been late or missed a payment. I've had a few disputed charges; all wound up in my favor. With a credit limit over $15, 000, I have paid thousands of dollars in interest over the twenty years or so I've had this card.
Where does Capital One find reason to subject me to the inconvenience and embarrassment of having my credit card denied out of all this? And they got taxpayer money; including mine, to help them finance this scam?
This country is going down in a big way. The government, arm in arm with these financial institutions is destroying America. Forget Al Qaeda; it's Congress we need to worry about.

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11:37 am EST
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Capital One fraudulent activity

I got a letter from Citibank about going up on my interest and they were closing my MC account after it is paid out (I have perfect credit with them). I decided to get a Capital One card and close the MC account. I decided to transfer my MC balance to Capital One at a lower interest rate. After making that mistake and realizing after reading how horrible Capital One is to do business with, I decided I would not activate the card when I got it. Get this: They transferred the balance from my MC account BEFORE I even got the card or activated it PLUS they transferred a larger amount than was even owed on the MC account. I am one angry gal.

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4:58 am EST
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Capital One big scam

Capital One Mastercard - Capital One Pre-paid MasterCard is a BIG scam. The whole premise it that they have incorporated new "security measures" to "protect me" from fraud. All their "security measures" are is a way to use customers' hard earned money interest free for 30-60 days while customers wait and wait and wait for the card to arrive. By running this delay tactic scam they can have millions in a floating reserve at all time that they are collectively earning big bucks on.

I got the card to buy my plane ticket home for Christmas, but with this effing rip off scam by Capital One, my card won't even arrive till AFTER Christmas. So in the past month I am suffering with the inconvenience of having no card, meaning I missed out on all the reasonably proceed airline tickets for Christmas, so that will cost me a few hundred more and Capital One has made money off the fact. So they probably made $7 so far and cost me hundreds and a lot of frustrations. Corporate Effing Crooks! Avoid these crooks like the plague.

Here's the timeline of my ongoing "quick and easy approval":

I "applied" for the card 2 months ago. I received an "approval" 3 weeks later. (Like you need an approval since it's pre-paid). I was told my card would arrive within 10 business days of receiving a money order for what ever amount I'd like to prepay on the card. I sent in a money order for $500. 2 weeks later I call in since its been 10 days. So friggin' ### gives me the "Congratulations you've been approved" schpeal for idiots again. I sent them $500 and they are kind enough to say I can actually spend it. What a bunch of condescending dicks! The duffus tells me the card will be arriving any day. 1 week later a letter arrives, but instead of a credit card so I can buy my plane ticket, it get a crap load of paper with convoluted instructions about going to the post office to present ID and have the post office mail copies of it cak to Capital One by registered mail. Then Capital One Mastercard is supposed to review it and get around to sending out my actual card eventually. OK. B-effing-S on this. If they would just mail the card to the postal outlet in the first place and have me flash ID there, I could be picking up the card instead of playing stall tactics with my pre-paid money.

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Oan123
Toronto, CA
Apr 16, 2013 7:45 pm EDT
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I totally agree - everything about BIG-SCAM is true - that is their business, I have been waiting for 2 moths while i sent a security deposit, these guys are experts in fraud and scam. Please stay away from them. It's amazing I'm reading a post of something I am experiencing, exactly was mentioned - what a fraud.

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6:25 am EST
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Capital One shady practices

Please see this review on Yelp (search for Capital One in McLean, VA) and contribute there!

Capital One uses some shady tactics. I've noticed an uptick in complaints on consumer advocacy sites. I don't know the law but, at best, they're skirting that line. Even if what they're doing is not illegal, it is at least immoral and annoying to customers. While I will look into class actions for patterns that emerge here, we still have a recourse as customers to simply walk with our feet and to get as many people as possible not to become a customer.

Remember that "No Hassle" card with "fixed" rates they teased in front of you when times were good? Well, it should've been branded the "Capital One No Hassle (when it's convenient for us) and Full Hassle (when we need to) Card."

Apparently, they just have to send a tri-folded piece of cheap paper self-mailer (all the more easy to ignore) that says, "We're upping your rate and if you don't like it, decline it and you can pay off your balance under your old terms." What they bank on is that it gets lost in the shuffle and you neglect to decline the new terms. Oh yeah - you have to do it in WRITING. With a STAMP and the POST OFFICE. Why? That's to make it as hard as possible. That's the same reason most rebates have to be mailed in. Legal? Probably. Should we ever trust a "fixed" rate again? Never. They can, at will, send a letter and change the terms of the agreement. Of course people don't think of that when they sign up for a new credit card.

Remember those 0% fixed for the life of the balance teasers? For one of my accounts, I caught the "we're changing your interest rate" letter and sent one back saying, "No thanks - I'm just going to pay off my balance under the original terms." Guess what they do? They double, triple the minimum payment. Pretty slick, right? Again, probably legal, but definitely immoral. 0% interest, but they can make you pay it back really fast.

Back to the "we're changing your interest rate" letter that I didn't catch. Well, I didn't catch it because it was an account I never used. But since the credit crunch started, I dug it up again because it was a "low, fixed" rate and started using it. For months, my empty statements still said 6.9% on it. Once I started using it, my rate hit 16%. And I only know that *after* I get my bill, *after* I've made the decision to use the card under the assumption that I'm paying just 6.9%. Again, legal? Maybe. Immoral, yes.

Yep, there's more. I was late by one day on several consecutive payments. Why? Not because I'm irresponsible - I put the due date in my Google Calendar and set a reminder that texts and emails me. What they do is they change the due date randomly each month in hopes that you miss a few and they can rack up the late fees. Nope, it's not "every 9th of the month but if it's a weekend, it's Monday or Friday adjacent to it." It's not every 4 weeks. It's not anything like that. They even admitted as much when I called to ask what the logic was. So, instead of the very easy thing to program, "Albie L has to pay every 9th of the month, " they go out of their way to program into the system, "Albie L has to pay every (9+random number)th of the month" JUST to ***.

I understand that times are tough. And maybe Capital One is just fighting for survival. Fine. But they made the choice to screw their customers and I hope that we've got long enough memories to stay away when times get good again. i.e., don't become a Capital One customer once the dust clears and they start offering low rates, etc. You WILL be screwed if and when the *** hits the fan.

Stick with a small, local credit union. Even though my interest rate at Affinity Federal Credit Union was 9.9% during good times, it's *still* 9.9% today. No teasing. No changing rates. No changing due dates. Just good, honest, business.

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Ann Writer
, US
Oct 30, 2011 9:46 am EDT

This company can be stopped. They are not invincible! If disgruntled customers go on Sixty Minutes.

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2:07 pm EST
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Capital One worst company ever!!!

Here is the exact explanation I sent to the better business bureau upon filing my complaint, I don't mind sharing (And I urge you to file a complaint with them by going to WWW.BBB.ORG):

To preface the current issue, I must say that I was laid-off in kentucky, therefore I had to re-locate to florida where I was unable to find work for two to three months.in this time I was unemployed I was unable to make payments on my capital one credit card, which even at that time was under a closed account. I had already cut up and disposed of my credit card.

So, as I am not the only one this has happened to, my interest rate skyrocketed to 29.99%, and unfortunately, presently, that is the least of my worries. Though a sufficient problem, I cannot comprehend the entire ordeal this company has put me through.

In the process of finding a job, acquiring one, and saving my money accordingly to pay my bills and get things situated, capital one was calling me every day, all day, sometimes up to 15 times a day. Even on sundays. That is harassment by any means. They would ask inappropriate questions to the effect of, "why did you lose your job?", "how long have you been out of work?", "do you plan on getting a job sometime soon?", "do you have any plans to work in the future?", "are there other family members who can pay your bills?"

They even tried to contact my parents in kentucky, and when they wouldn't answer the phone, they began calling numbers of the addresses on their street asking neighbors if they'd seen my parents at the house. That is beyond harassment, that is extreme stalking. Inappropriate behavior that is inexcusable for no one.

I had explained to numerous capital one employees to cease the calls and they retorted that I must begin making payments for the calls to stop. I again said I would call them when I had enough money to keep up with monthly payments. My first call to set things right again was on june 29, 2009 in which I asked them when my next payment was scheduled to be due. According the the person in which I was speaking to it would be due the 14th of july. I have bank statements to prove that I made a $69 payment on july 14, 2009. I recorded the id of the employee who took that over-the-phone payment: nfv122. Please note, because my account is "delinquent" I am denied access to my online account. I do not receive paper statements anymore and they will not allow anyone to change the email on that account to my current one. So I no longer can receive, nor ever have, received online statements through email. Needless to say, I am completely in the dark and cannot view my statements at all.

I called between that july 14th payment and my next scheduled payment in august because I wanted to inquire about getting on some form of a debt liquidation program. They flat out told me they offered no such service. I explained to them the other credit card company I dealt with offered me not only an incredible program where I have fixed payments, 0.00% interest and no more fees of anything whatsoever, they also offered me sympathy. They were and continue to be supportive and reasonable in my determination to eliminate my debt.

Capital one offered nothing more than extremely less than poor customer service. I finally get on the phone with an employee who I felt possibly, truly was trying to help me. She said there was a loose "3-month" program where they would basically take my "past-due fees" and divvy them up into three equal payments. Then, after three months my account would be brought current and I could begin making regular payments again. She asked if i'd like to receive a letter stating those specific dates and the amount due and I gladly said yes. The dates were as follows:

Payment 1 - august 20, 2009 $105.67
Payment 2 - september 20, 2009 $105.67
Payment 3 - october 20, 2009 $105.67

Here is where it starts getting really tricky. I have on record my first payment was made on august 17, 2009 in the amount of $105.67, and I was proud, feeling as if finally, I was getting back on track.
So, next month comes around and I had money earlier than expected and decided to pay early, again, feeling accomplished. I call to make "payment 2" in the amount of $105.67 on september 3, 2009. That is 17 days before their expressed due date in the letter I received in the mail. The employee (Id: ucx826) explains to me that I received a late fee in the amount of $39.99 for my previous month's payment. Her reason was, they told me it was due on the 17th, not the 20th. I asked why? How was that possible when I received a letter clearly showing august 20th was my due date. Employee ucx826 proceeds to say to the effect, "i'm sorry, it was late. Your bill was due the 17th." well, regardless of this first blatant lie, if they're now telling me over the phone it was due the 17th, it was still paid on the 17th. So 20th? 17th? Who cares at this point, it was still on time. I ask this employee to see that which is the truth and fix the problem, thus waiving the fee. She relented, after about 45 minutes on the phone. She asks if she could help me with anything else and I said yes, I would like to go ahead and pay september's bill early. She accepts my payment, 17 days early, and thus tells me I would need to call back next month and have my late fee waived! She flat out told me I was going to be charged $39.99 again for paying two and a half weeks early!

By this point, as I dearly hope you understand, I was fed up. To say the least.

October. Now it's time for the "third installment" of my payments. I call once again, on october 17th (Just to be sure of course!) that even though it technically, by written letter, wasn't due until the 20th, I was paying on the 17th, just to cover myself. I made the "last" payment of $105.67 and I asked if I had received the "i-paid-early-so-i-get-a-late-fee-anyway" late fee and the employee said, "no." I did not take this employees id because I thought everything was settled.

It is now november. I called yesterday to find out where I stood with my balance. I was told it was $2, 234 - which basically, is around the same amount it was before I made that first payment of $69 back in july! Now granted, I understand with a virtual 30% interest rate, and my account being past-due, this could very well be a legitmate reason for me not having made any break in my balance. But, I was told those "three payments" would bring me back into current status and everything would be fine. I was told yesterday, I owed $314 and then my account would be current. I said no way, I was taking further action and would not pay them until certain conditions on my end were met.

So here I am, better business bureau. I'd greatly appreciate your help in this matter. I hope to resolve this issue as soon as possible. I would absolutely love to pay off capital one in the amount that I have borrowed from them. My conditions are as follows:

They allow me to view every statement on that account since the time it was closed, they waive every fee that brought me into overdraft, which caused overdraft fees, late fees, and anything else which is causing my account to be past-due. I want them to lower my interest rate to something reasonable, in the range of 6-9% and once these conditions are met, I will continue to make payments. I do not want any money from this company, all I want is a payment plan that makes sense, that is reasonable and something that doesn't waste my hard earned cash.

Even after writing and explaining most of this situation, I cannot verbally express my absolute and utter dissatisfaction with capital one. I vow to never, in any way, do business with this company again. I should not be punished for something that was out of my control and something I am making a very notable and dedicated effort to correcting. I feel that every time I correspond with them, they make a mockery of me, they insult my intelligence and I want them to know that I will not take it anymore. They have lied, stolen and cheated me. I want it to stop. And I want to fairly pay back the $2, 000+ I owe to them, and be done with it.

Thank you for your time and consideration.

Sincerely,
J. J. Ross

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JohnAct
Queanbeyan, AU
Nov 22, 2009 6:11 pm EST
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LESLIE CHARLES GILROY (corrupt cop)
in company with
LLOYD STEPHEN GANZERLA
BELINDA JANE GANZERLA
EUGENE CLEVELAND GANZERLA
TRACEY ANNE GANZERLA
and others, robbed my wife and I
See the whole story here
http://austlawpublish.com/forum/viewforum.php?f=2

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6:21 pm EST
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Capital One hired a repo company that acts like an private investigator

Capital One hired a company called Camping Companies, Inc to steal my car. This company acts like a investigation company. They went to my grandparents home to indirectly harrass me. I have contacted my attorney general because we have constitutional rights to fight these thugs. CCI Investigations is what the business card says but my research found differently. They do not have authority to operate in NM and they are violating my right to privacy. I have challenged Capital One because they charged me late fees for no reason. Also, I lost my job and could not make payments. This CCI company website says they have advanced technology to give their customers satisfaction. I say we sue the hell out of Capital One for violating our rights to due process as guaranteed by the Constitution.

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Jackav
, US
Sep 08, 2017 10:38 am EDT

Can give you number to good attorney if interested

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Capitaaloneh8tr
Dupont, US
Apr 21, 2012 10:56 pm EDT

EXACTLY! I agree that they are [censored]s, but pay your bill. OOH Capital one wants my car back because i dont pay for it!

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cricee72
, US
Feb 28, 2010 9:18 pm EST

You are not paying for it - it is theirs and now you are going to cost us money by filing a lawsuit?

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5:00 pm EDT
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Capital One atm fraud

When looking for account balance on atms they are designed to misrepresent the balance and then charge you for overdrafts.
Paying online a bill for time warner is approved by the bank and leads you to believe approval means it is deducted from your balance, it is not. It is only deducted when the company posts the bill with the bank which can be a week later even though they threaten to turn your service off the day you pay your bill. Which again creates the supposition that the transaction has to be immediate.
Then you may proceed to use your atm card with the balance without the amount paid to time warner. Beong careful not to go over you still do when the bill is finally posted. You are then charged 35. Oo dollars for an 8.25 purchase, a 12.00 purchase for food! Watching the account closely not to over draft a fraudulent balance misrepresented by the bank when the time warner bill is posted you are charged for 5 over drafts od 35.00 apiece plus the bill putting you in 500. Oo or more dollars minus! Ifeel this is terribly misleading and when the bills are o. K. D by the bank they should be withdrawn from the account

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Capital One fraud & deception

In January 2008, I transfered a balance to Capital One because their offer was good - 0% for the life of the balance transfer. Things were fine with them until 2 months ago when they decided to raise my interest from 0% to 19.8%.

When i called to complain, I was first told that it was an error and they would fix it. When I called back to verify 10 days later, they told me that the 0% for Life never existed and that my offer was for 12 months.

i called again. The next person said that my offer was actually for 18 months. When i called again, they said the offer was for 6 months and that i should be happy i received 0% for 20 months.

A very long story made short, they will not honor the 0% anymore and unless i can prove that i had 0% for life, i am screwed - now accruing 19.8% interest.

They lie and this is fraud, deception and breach of contract.

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6:37 pm EDT
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Capital One poor business ethics

We have doing what ever they expect for payments. We made our payments on time. They were not documented as on time. Every time we made payment arrangements with them, they did not document so that the next collector would know what they had previoiusly done. We get several calls every day by several different people. We have never had the same account Rep. We are now fighting to keep our vehicle from getting repossessed and it is not all our fault. We were told something is better than nothing. That is not what they think. We are very frustrated with trying to do business with a company that doesn't do business. We keep hearing that there are hardship offers. But we never qualify for any of those programs. We make the payments and they continue to tell us we are behind. There is no way that we will ever use this finance company ever again. Someone needs to get Obama to pay attention to these types of finance companies and attack them like he is attacking credit card companies and auto dealers. He wants the economy to go up, using finance companies like this one will only continue to drive the economy right down into the depths of Satans world. When do we get the politicians involved?

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1Power Tripp
San Pablo, US
Jan 30, 2014 1:01 pm EST

I recently had my vehicle repoed because of a conversation with an account rep. Several months ago i was in the hospital, i had received a call from cap 1 on my cell. I had been making my payments each month but sometimes not the full amount. I'm on SSID, I'm a bilateral amputee and i have luous, my ex husband is the main borrower in the account but he hasn't helped me with the payments in over two years.
Anyway this conversation i told the account rep that i have received several callous already, that i was in the hospital and that they were harrassing me. Well a cease and desist order was placed on account which i did not authorize, the payment plan i had set up with them was removed, so since they didn't receive the scheduled payment nor could they contact me because of the order, they repo the car.
I got the car back within 48 hours. It cost $2200 fortunately my mother was able to help with the cost, but cap 1 says that because i said the word `harrassement` was grounds for putting the cease and desist order on. By law it must be in writing and i didn't do this and also they said they had no record of on order in writting on file.
Cap 1 has very poor business practices, the reps aren't properly trained. Something definitely needs to be done to correct them. Over the life of my loan i can't count how many times i had set up payment arrangement whenever i had a financial issue and the information isn't documented.

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JJPE
toron, CA
Mar 18, 2011 12:51 am EDT

Due to the recession, I was forced to take a job in Ontario Canada, and was current on my car payments when I left. I have spent every month since my arrival in Ontario, in conversations with Capitol One representatives simply trying to find a way to make a payment on this account. Every time we think we have found a means that will work something happens. Usually it is the fact that their accounting system will not accept payments in any form if it is not keyed to a zip code and my address is in Canada and has a postal code. The payments attempts have involved all forms of US credit cards, western union, money gram and US dollar checking accounts. However the last mess up has come because the person at the office of Montery CA, decided that the postal order from Canada Post sent in US dollars (a form of payment carefully researched and negotiated with a special representative at Cap One Auto Finance) - was in Canadian dollars. This was despite the circled underlined US dollar amount, and despite the note attached saying this was in US dollars. The check has been returned to me according to an account rep, but it has not arrived in my mail box yet. This means that the funds that are invested in the money order are unavailable to me. I have spent numerous hours on the phone, going to places that agents have recommended, and as well have lost funds in transfers from US to Canadian and back based on the varied solutions this company offers. Now I back at square one dealing with agents who want to be helpful but seem disabled by a fragmented, antiquiated, and disconnected finanacial system that is not able to solve problems and forces its workers to operate in ways that make them unhappy - as I think they are as frustrated as we are.

I am stunned by this behavior by an internationally prominent company, particularly regards Canada which is currently doing far better than the US in the recession due their high fiscal management skills and financial reputation. I am a US citizen and would be happy to participate in a class action suit, as it seems to me that something is really wrong at Capitol One Auto Finance JP

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03nissan1
Chatham, US
Mar 12, 2011 9:51 pm EST
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completely agree! i will start doing some leg work on this end to see what we can do about CAPITAL ONE...i thought i was losing my mind when i was going over the printout of payments i have sent in...it is just a joke...

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shondak
Madison, US
Mar 29, 2010 10:17 am EDT

I agree with the settlements of Class Action lawsuits. However, my ultimate goal is to cease the unfair business practices of Capital One. I have a full week this week but I plan to consult a Civil attorney on next week. Please keep me abreast of your progress and I will do the same.

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ctaulbee
Norfolk, US
Mar 27, 2010 5:16 pm EDT

I agree but would it financially benefit all of us that have been affected. Alot of times with class action suits there are so many people involved that everybody gets paid off with some pocket change and it is more work than it is worth. I have had my name in alot of class actions and I have never gotten a dime. You have to think, we are all in over our heads for atleast a minimum of $10, 000 up to (I know I am in to them for $18, 000) and higher. If there is a lawyer out there that can prosecute and financially help all of us out and FINANCIALLY RUIN AND TAKE OUT OF BUSINESS CAPITAL ONE AUTO FINANCE, I am in whole heartedly. I would be glad if all of our loans would be cancelled and reported to our credit reports as PAID IN FULL AND CURRENT so that our credit reports could get some help. I have a friend at work that has a husband that is a prosecuter, county. I will ask him and I will write a letter to the NE Attorney General. Lets throw it out to everyone and see who can file the first claim for all of us.
ctaulbee69

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shondak
Madison, US
Mar 27, 2010 4:41 pm EDT

I am in Alabama and I too share your sentiments. I think we should start a class action lawsuit. if you read all of the complaints on this page and the following pages I am sure a lawyer would take our case.

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ctaulbee69
Norfolk, US
Mar 17, 2010 7:27 am EDT

We spent the last 6 months keeping our car from getting repossessed by Capital One Auto Finance. To the point where I put our house in jeopardy. I had been making our payments on time to the point of over drafting our checking account and making the full amount. We were in upside down so far, I told my husband it was going to be his casket when he died. One night at around 11:00 p.m. the repo guy showed up. He said if I could prove that the payments were current that he would return the vehicle the next day. Every month we got a new account rep, every month the other person knew nothing about the other person, they did no documentation on their computers. They would call us both about 10 times a day. I think everyone should contact their state attorney general and turn these people in and get them stopped. As for anyone that is making the attempt to keep from getting their vehicle repossessed and having to fight every month to keep it, go ahead and let it go. Otherwise some unexpected night, they will show up any way, even after you get the payments, so called, caught up. If you are having to fight wit repossession people, your credit is already shot because the payments are behind. Save yourself the headache, go out finance a different vehicle and let the other one go. As long as you have one good finance going on your credit rating, a repossession whon't hurt so bad on the credit rating.

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joeyatgreer
Salem, US
Oct 31, 2009 10:05 am EDT

I too have been a "victim" of capital ones debauchery. As most of you due the economy i fell behind in my payments to the point that they were going to reposses my explorer. I called capitol one and aske how much do i owe to bring my account current. It was about 2000.00 which i was able to pay. Now that the end of my loan is maturing the mysterious late charges are appearing. I have called the company and pleaded my case saying if you tell me how much i owe and i pay it, how do i owe you more? Needless to say i have got the run around like you wouldnt believe. Just yeaterday, 10/30/09 i spoke to a Jennifer in one of the departments, she informed me that she is not in customer service, but if you are helping a customer, isnt that customer service? After some discussion i asked to speak to her supervisors' supervisor and you wouldnt believe the response i got. She told me "they do not have time to deal with customers" At wich time i informed her that customers are the reasons they have thier jobs. Folks if one person reads this and turns away from capital one than my effort will be worth it. The part that really gets me is i have asked for an office where i can meet face to face and the representative Jennifer told me that they do not have an office. Go figure.

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Capital One interest forgot paid and poor service

It was a nightmare for the experience I recently dealt with Capital One bank.

At the beginning I had two CD accounts, one has balance about $16K, matured in July, another about $44k., matured in August. After CDs expired, I transfer both CDs’s balance into a new opening Money Market account (actually the bank reused a zero balanced years old old MM account).

On 08/12/2009, a $15 penalty charge was applied to my MM account for the lower balance. I made about threes customer calls to finally get back the $15 wrong charge. Per customer representative, it was the beginning zero balance that caused the mistake. I still don’t know understand how that mistake could happen. Isn’t that every account always starts with zero balance.

While I was trying to correct the incorrect penalty charge, I found that my MM account have never got interest paid so far. For MM account, the interest is posted by the end of the month. I called the customer service to report the problem, and my nightmare started here.

- In first two calls, they seemed they just wrote down my problem but never resolved it.

- About one month later I made the third call to the branch where I opened account, the person promised to check my account and call me back, but I never get the call back.

- I made the forth call to customer service again, the problem finally got settled and I was told that the interest would be posted to my account a couple days later.

- Later I checked and I found the $33.79 IOD interest was paid to my account on 10/13/2009.
- $33.79, Is it correct for the total interest earned in my MM account? It doesn’t look right, not mention July, per the bank statement, the average balance is about $60k in August, > 1% interest rate and $58K in September, 1.01% interest rate.
- On 10/15/2009, I made another customer call to report the interest calculation mistake. The customer representative very impatiently answered my question about the interest calculation mistake, and insisted, “Yes, It is correct, $33.79 is the year-to-day interest for the account. If you don’t believe, please come to the local branch to discuss it.” I don’t know exactly how the interest is calculated, but I know the basic math and the basic concept about interest rate. So I suggested the customer representative to do a simple calculation to see why the bank’s icalculation was not right. For the balance $60k, interest rate 1%, the monthly interest would be about $50 (($60, 000 * 1% / 12 = $50). But the customer representative didn’t buy it and insisted “That is correct.”

The interest is not big money. I am just so surprised on the bank’s banking mistake and poor customer service.

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Capital One closed account and still withdrawing money from bank account

I finished paying off my Capital One card September 3, 2009.

I told them that the account is now closed and nothing should be added to that account.

Much to my horror and surprise, they withdrew 150.00 from my husband's checking account.

I even had the bank go into the computer and stop the transaction, but Capital One still got 150.00 for nothing.

I told them over the phone that I was to have the 150.00 put back into the account and they started giving me the run around and I told them I would file all kinds of complaints.

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Capital One awful bank

I refinanced my home with Capital One Bank, about a year ago and I had the money for the payment taken out of my savings account. Every thing went fine for a while, then my mortgage was sold to Chase Bank. To have my payment automatically taken from savings account I filled out the paperwork with the help of a Capital One bank employee, and it was mailed to Chase Bank, by Capital One. I confirmed the proper amount was being taken out when I got my bank statement the next month, every thing was fine. February of 2008 things changed. Without my authorization and without my knowledge Chase Bank or Capital One started taking my mortgage note out of Checking account.

I have always maintained a good amount in my checking, so it wasn't real obvious to me. I made sure money was going in the account and thats what was important to me, I'm a working stiff not a trained banking person, I don't scrutinize bank statements the way a professional would, I missed noticing the change. I had been out of work for the previous four months, my funds were drooping, and I was about to go on a trip with friends (1-7Oct'08)so I made sure I had enough money in my checking to cover expenses for the trip. A week after I got back from the trip( 13 Oct 2008 )I received a letter from Capital One saying that every purchase I made on the trip "bounced".

On Monday I went to the bank and put more money in my checking to cover everything. The bank had paid all my purchases and charged me $32.00 for each NSF. What happened was that my mortgage note, $551.73, was taken out of my checking, unknown to me, this action created a snowball effect down the line and fouled everything up. I went to Capital bank to find out what happened. The bank confirmed that the mistake was theirs, but because I did not catch the mistake sooner, the charges would stand.

That's 23 NFSs times $32.00= $736.00 that the bank is charging me because I didn't bring it to their attention, according to their time frame. This whole thing was brought about by one incident that was not my fault, but the banks fault, but I'm being severely penalized for their mistake. And I don't know how to fight them, this is the first time something like this has happened and it will be the last. Now I have to go back through all the wickets to get my mortgage back on track.

I would greatly appreciate any help or advice to get my money back, I can not afford to walk away from this and lose $736.00 to a cold hearted bank.

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Capital One no customer service

I decided, after making one car payment via automated voice prompts over the phone which lost a transaction to try something different. I set my Capital One Auto Finance account up on my Capital One Bank account to where I could make car payments online to save time and money (so I thought). After making two payments to Capital One on consecutive days (Dec. 20, 2007 and Dec. 21, 2007) I thought my problem was solved. The Capital One bank account showed that the two payments came out of my checking account but they never showed up on my automobile finance account.

All of a sudden, about a month ago, Capital One started calling me saying that I had not made my November payment. When I told the person at Capital On Auto Finance that I had not only paid November but December as well. They asked me if I had any proof of that to which I said yes, I have my bank statement showing that two payments came out of my bank account and went to Capital One. They gave me the fax number and I faxed a copy of the bank statement to them expecting this to take care of it.

Not only did they NOT call me back, but when I called them to see if they had received the fax and taken care of my account the woman told me that what I sent was not good enough. She said that I needed the bank to send a copy of an endorsement or a pipeline report. So I took off early and drove from Oklahoma where I am currently working to Capital One bank in Keller, Texas, got with the operations manager of the bank and she wrote them a letter with dates, transaction numbers, a copy of my bank statement and other pieces of information that should have been sufficient to resolve this problem, but it hasn't.

As of this writing, I have talked to dozens of people at Capital One Auto Finance, including managers, without resolve. Meanwhile, late charges are accruing, my credit rating is declining, my aggravation level is increasing and nobody has stepped up to the plate to try and help me.

I have never had so much trouble giving my money to somebody in my life. I'm wondering if every month with Capital One Auto Finance is going to be a Nightmare with them like this one has been.

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Capital One odd collection practices?

So this notice was sent to a friend, who passed it on to me thinking i'd find it funny... and I do. but it begs the question - has anyone else received such a notice?

=

balance: $xxx. xx
amount due: $0.00
payment (s) past due: 0

dear xxxxxxx,

your account is 0 payment (s) past due and we know that can happen to anyone. if you’re having problems making your monthly payments, we’d like to help. that’s why we wanted to let you know that it’s not too late to put your account back in good standing. and you can now click here to make a payment online.

making a payment of $0.00 by 09/05/2009 will make your account current. this will keep us from having to report your account as past due to the credit reporting agencies.

and remember, the better your credit, the more likely you may be approved for new credit and lower rates in the future. depending on your situation, even a partial payment may help keep your account in better standing with capital one.

we understand your financial situation is unique. but finding the right solution to help you get through life’s little financial hiccups is what our specially trained associates do every day.

so please don’t miss another payment – call us monday – friday, 8 a. m. – 9 p. m. (et), at 1-800-*-* or click here to make a payment online today.

sincerely,

capital one bank (usa), n. a.

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Aggravated shopper
albert city, US
Sep 21, 2009 8:59 pm EDT

LOL I havent gotten one from capital one however one day I got a letter from hyvee grocery store and on the letter it said I bounced a check for $0.00 so I have to pay the bad check fee of $30 for a total balance of $30.00 I called the company and the did not know what I was talking about so they said it must be a computer error, dont worry about it. I have never shopped nor do I know what a hyvee is yet they have my info. Long story short tell your friend to be careful of someone using his identity and not call number given on letter but find another phone number to capitol one to verify the letter.

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Capital One harrassment

My car was totalled on August 21, 2009 by someone who ran a red light. I amazingly was not badly injured because I was hit on the driver's side. I had been paying on time every month including the month of August to Capital One like agreed. I had the car since November 2008. When I purchased the car, I also purchased GAP insurance and of course I had full coverage. My insurance paid everything to Capital One less $1900 which
GAP would be paying the balance.

I have been harrassed at home, at work, my cell phone everyday including Sunday demanding I pay them the balance. It has not been even a month since the accident. It was very scary and something I still have nightmares. They have received the insurance check and know GAP is paying within the next week, yet they are making my life a living hell. They have made me feel like I was the one who caused the accident! Is there anything I can do to stop this kind of treatment?

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Tude
, US
Jan 09, 2010 9:17 am EST

I have an auto loan with Captial One Auto Finance which is one of four car loans that I have, plus a new house loan. We have had the loan for about three years and have never been more then 30 days late. We have been a few days late about 3-4 times during the entire three years. Our most recent experience with this company has been terrible. At this time, we are about 7 days late and have been recieving daily calls from them regarding payment. When we speak with the representative, whose is not even American (from India), they are very rude and seem to not even care about what we have to say. They simply want to know when we are going to make the payment. Incidentally, today we recieved four phone calls from them even after we informed them that the payment had been made. They wanted to know more about the payment; when we made it, how much it was, etc.
What I find troubling about the situation and the company is that, they are recieving payments and have for three years, and yet if you are a few days late, they find it necessary to harass you about getting their money which has never been more then 30 days late, just a few days. Not one of the other three loan companies have ever called us regarding payment. I guess that Capital One has to pay for a college football game. The second problem I have is that the calls are always from India. I guess Americans aren't good enough to work for Capital One. With the economy being in the shape it is one would think that big businesses would try to keep their jobs in the country. I image though that the CEO wouldn't get a big bonus if he had to spend more money to keep jobs here in the states. Plus, sending the jobs to other countries helps establish resentment between the US and the other countires, which is also good business, right.
One thing is for sure. I will never use Capital One again to finance anything. I think that they are rude, inconsiderate, un-American, and nothing more than a money grubbing company.

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Tamarac, US
Feb 04, 2010 8:50 am EST

So, I decided to refinance my auto loan with Capital One. I had been a card holder for 10 years and, based upon my experience, they would be a good partner. Well, I received the loan and paid the bill on time. Unfortunately, the economy made it such that I missed a payment. In addition, I decided that I wanted to pay off the loan ahead of schedule. So, I called Capitalone and agreed to a payment of $ 375.00 on the 2nd and 16th of each month. They would debit my checking account. Mind you, my monthly payment is $ 528.00. Well, then, the phone calls started and increased and the E-mail notifications of "handy ways to make your payment" started appearing. I called them and they kept telling me I was past due. I proceeded to tell them that, in the 2 month period, I paid 1875.00 when only $ 1, 056. was due. No one. Not even the SUPERVISOR understood what I was explaining to them. I had my lawyer send them a cease and decist letter. That didn't work either. I am getting approximately 10 calls a day, . 7 days a week and 2 E-mails each day. They tell me it's an Accounting problem but they cannot, as COLLECTORS, call Accounting. I am not allowed to call Accounting. So, now I am going to write to the hot shots and see if that brings any resolution. In the mean time, I have stopped the payments and will be issuing checks for the EXACT amount of the monthly payment and will send put the extra money in MY bank until such time as I can accumulate enough money to pay off the damned loan. They must hire uneducated people. It's a damn shame.

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jerkoff..ffs.
Knoxville, US
Sep 12, 2010 12:25 am EDT

You people are [censor]s.. Just pay your bills and you won't have anything to worry about. WOW what a weird concept...

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Annodam420
Dallas, US
Jun 28, 2010 3:18 am EDT

1. if u owe cap one auto then is there a chance you owe others? if so then its probably not cap one calling u 10-40 times per day as people claim. I am a current employee of theirs and can tell u all that there are laws in place to keep that from happening..
2. from what you were describing LT sounds like for the entirety of this ordeal you still have yet to pay the month that u missed. While making one monthly payment at a time is great u self admittedly missed one yes? if so then all you are doing is continually running past due and accumulating more interest on the loan for that one month... on top of that if you look at how your loan breaks down your payments are applied as follows:
1. interest is paid first!
2. after interest is paid then comes your principal

this could explain why the system shows that you owe more then you think also by now you have late fees etc... all those are taken into account as well.

Once people get this through their heads the better they will be. What I would do is call, the number is [protected] and ask for a printout detailed copy of your transaction history. This may better assist you in finding out what the accounting "snafu" was. Good Luck!

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Annodam420
Dallas, US
Jun 28, 2010 2:54 am EDT

Tude,

I agree with keeping jobs in america. I am an employee of C0apital One Auto Finance. All i have to say to that is... the CEO is Sanjiv Yajnik...hint hint? Also, we start "courtesy calling" at three days past due, if u tell the rep when, amount, and how payment is being made they will place a promise on the account and get the calls to stop as long as u meet that promise.

Mej,

That is impossible no account may be contacted more then 15 combined attempts over any and all numbers in one business day... if u owe anyone else they may be calling, don't blame Cap One Auto we actually have systems in place to keep that from happening.

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mejiasfr
Atlanta, US
May 19, 2010 12:37 pm EDT
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I have received more than 25 calls in one day...they use 13 differente areas codes...

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shondak
Madison, US
Mar 27, 2010 4:44 pm EDT

We should start a Class Action lawsuit against this company. I think this will get their attention.

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raeash
Snellville, US
Feb 10, 2010 12:08 pm EST

You are lucky...I get between 15 to 20 calls per day from Capital Auto finance. starting from 830am and not ending until 9pm, and this is on my cellphone. So my cellphone bill is so high from their daily harrassing calls. I wish there was a way we could sue them for harrassment.

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Righttoprivacy
McIntosh, US
Nov 02, 2009 6:12 pm EST

Capital One Auto Finance has hired a investigation company or so called investigation company called CCI and they are unlawfully going to my parents home and digging up information on my personal life. I refuse to give up my car because of fraudulant late fees that Capital One has charged to my account. I have written to COAF to get more information and this is when they hired the Phoenix based company CCI aka Camping Companies, Inc.,

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Capital One scam charges

I pay my Capital One bill online. I always pay on time. I haven't worked in over a year, so regretfully, I pay the minimum. I don't enter an amount, I just click "pay minimum".

Today I got a notice in the mail stating I was a month behind, so I called. I was told 2 months ago I paid $15 when I owed $16. I was charged a $39 fee, which happened again the next month even though I paid what was posted as the minimum!

I called and said I paid what their website said I owed. The man tolded me the bills and the internet isn't always accurate. The only way to get an accurate amount due was to call Capital One before I make my payment! How is this legal? I've been charged $78 because the website had misinformation.

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Not even a customer
, US
Jun 03, 2016 8:24 am EDT

I have been getting daily phone calls from Capital One, regarding a relative. They will not tell me what the issue is, they just ask for this person. More recent calls have not even asked for the relative, I say hello one or two times, then they hang up. Capital One is calling my work cell phone! The relative does not live with me, and I have no business in this person's life. When I called to complain, I said these calls could be considered harrassment...the manager I talked to in the Philipinnes said it was more unethical!

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Capital One repo man discloses my finance information to third party

Capital one without sending any notice of default sent a repo man to get my vehicle. On there second attempt to repo the vehicle, they banged on my front door at one in the morning and then they proceeded to disclose detailed information about my payment history and told them that i was a liar. And i don't think they had a right to disclose that type of information. If anyone knows what if any claims i may have against them. They have called claiming to be a real estate agent the next day i receive regular payment due notice with remittance stub, no mention of any default or requirement to cure a default.

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Righttoprivacy
McIntosh, US
Nov 02, 2009 6:14 pm EST

Capital One hired a CCI company who claims to be an investigation company to tap into my personal life. CCI is a repo company in AZ called The Camping Companies, Inc. They have no lawful authority to take your care unless there is a court order and they cannot trespass unto your property without your permission. They cannot lie about who they are. Contact your attorney general and write to them immediately.

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Capital One will not remove from credit report

I don't understand why Capital One keeps applying penalties and interest on an account that they charged off over 9 (nine) years ago. Isn't there some type of statue of limitations for consumers and their credit when almost ten years has passed? Well apparently not for Capital One, because they keep updating this same, old, closed, charged-off account on my report and I need to know how to STOP them...Someone please help me.

Signed, desperate in Texas

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Capital One unauthorized credit checks

I did an annual free credit report and found 3 inquiries from Capital One Auto Finance listed on my credit report in the past year. I did not apply for any type of loan from Capital One. I called the 800 number I found online and was told that unless I gave them my social security number they could not help me. I refused to give them my social security number and asked to speak to a supervisor. I was then transferred to a voice mail. I left a message but still have not received any call back.

I just want to warn others that this company seems unscrupulous in it's policies. I did have a Capital One credit card about 10-12 years ago and they charged me a late fees which then placed my account over limit thereby adding ridiculously high overlimit fees. I paid them off and shredded the card.

My advice is to anyone reading this, Do not deal with Capital One for any type of loan or credit card and be sure to check your credit records regularly.

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rag2fiance
Dallas, US
Apr 15, 2010 4:00 pm EDT

they could have been doing a soft check as well to pre qualify you for a card. like the other person said, write a letter to the credit bureau see what happens. Good Luck

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las vegas LMR
LAs , US
Aug 27, 2009 7:06 pm EDT

I would write a letter to the company you received the credit report from, hopefully it was either one of these; equifax, experian, transunion, to see if you can have to removed. Good luck

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

Website

www.capitalone.com

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Use this comments board to leave complaints and reviews about Capital One. Discuss the issues you have had with Capital One and work with their customer service team to find a resolution.