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unable to cancel
I cancelled my credit card with Capital one 2 months ago. However, I keep getting charged for payment protection, an outside company. If I went to use this card it wouldn't be accepted, but they will allow their sister company to keep adding fees! What payments are they protecting? The balance is Zero until they let this company charge me again and again
capitol one sucks
Earlier this year someone got my credit card info and tried to purchse something online fraudulently. A month later I got an email from capitol one about it. I called them and they cancelled my credit card and issued another card in it's place. When it came payment time I tried to do online banking but my savings account info was gone. I contacted my savings bank online and asked for the bank routing number. I made the payment but it was refused as 'no such account'. I contact capitol one and found out what happenned and the rep reversed my late fees. I went into my bank and found out the routing number was for wire transfers and was given the correct number for online banking. Now every time they get a payment a 2 week hold is placed on it. In July a rep got rude with me saying it was all my fault and hung up on me when I demanded a supervisor. I called back and complained about that and a supervisor made a notation on my accout to fix this problem. So, I just made my sept payment and the hold is back again. I'm so sick of their crap!
Not sure what happened, but Capital One is trash now. Customer service is awful - phone, online, email. Thought in-person would be better. Went to a branch, and it was even worse. Hard to be both incompetent and rude, but Capital One is. I do not trust these people with my money or credit information.
Save yourself the trouble and take your business elsewhere.
I am trying to close out an IRA account and they are setting up roadblocks as well as charging me $75.00. They need to be investigated
I have 2 Capitol One credit cards I've been attempting to pay off to no avail. I called their 'customer service' and of course was met by someone who can' t speak English. I asked him to close both accounts. One had been paid off by check, which of course had been converted to something on my bank statement that made no sense and the copy of the check disappeared. The other account had disappeared and there was no trace of it. I'd sent in the payment stub with the full amount. The payment stub didn't have the full account number on it. They've always taken my checks before but decided this one was special so the payment was not taken nor was the check returned nor cashed. As far as I'm concerned this account no longer exists if they can' t find a record for it so it can be turned over to their favorite collection agency and they can eat the loss. These people are idiots and parasites. I hope they go under along with all of the other crooks that have failed in the last 2 years and they can take Chase and Santander with them. There should be a law against the type of usurious theft.
money stealing company
This company needs to go out of business! We hit a deer with or vehicle that is financed through them. Our insurance company made the check out to them and us. Their policy of course. They will not endorse the check and send it back so we can fix it anywhere we want. Their customer service is horrible they do not want to listen or help their customers what so ever. They just want to steal our money. I also did complain to the BBB and others should too! They are rip off artists and do not care about any thing.
The complaint has been investigated and resolved to the customer’s satisfaction.
I agree they should be out of business! We had a van and were making payments on time however one month the payday didn't fall right and we were TWO days late. From that time they refused to discuss the account, refused payments we tried to make through western union quick collect and NEVER called, emailed or mailed us. Yet they called all our references and anyone else that they could find that knew us and let them know we were "behind and refusing to make the payments" . Today the van was repossessed and the repo man (thank God) was on top of things and stopped their attempts to file charges on us for "hindering a secured creditor" My husband has worked the same job for 30+ years and we mailed them a letter and changed the address online the one time we moved. Our phone numbers never changed. How could they accuse us of hiding the vehicle or not making payments and what else could we have possibly tried? This company is bad news and I would advise anyone to stay clear of them!
Had the exact same thing happen, but they convienced the insurance company to write a second check $6700.00 to them, Capitol One approved the body shops quote for repairs and agreed to pay them when the repairs were done. Once the repairs had been made and payment was due, Capitol One said they applied the check to the balance of my account. How can they do that my payments were up to date even though the car was in the body shop.
When I called them they said there was nothing they could do I would have to pay the repair shop myself, and that I had a payment due three days ago. I asked what did the insurance check cover, meaning what months, the lady said the check was put at the end of the note, that's why I'm going to have to keep making payments. They told me that with the insurance check was paid on the account my balance was less than $4000.00.
I went to the body shop and explained the problem, they called Capitol One and was told the same thing. Body shop is out over $4800.00 for repairs I don't have the money to pay for, body shop put a lean on the car, against myself and Captiol One.
Talked with several attorneys but they said there is no LAW to prevent the insurance company or Captiol One from doing what was done. Who interests am I paying insurance for, my intestment in a car or Capitiol Ones.
scam and lies
I recently received a "special offer" for 0% APR for 12 months from Capital One. The letter stated that if I used any of the three attached checks by the deadline, I would receive this low interest rate for a year. So I used two checks (both of which were attached to this letter).
However, when the transactions went through, one apparently came in as a convenience check and the other as an access check. So they started charging me a finance fee for the so called convenience check. The problem here is that it was not a convenience check. They came from the same stub, attached to the same letter. How can they come in differently? I even verified that I met all the requirements - use by date, etc.
So I called customer service and the woman was very helpful at first. She told me that I was right and that she would have it fixed. "Just check your next statement." Guess what happened?
I had to call a second time because not only did the balance not move over to 0% interest, but now they need to credit me the finance charge for the last two statements. The first woman apparently only "put in a request" and it was denied by the higher-ups. Was anyone going to let the customer know?
Now, I must call a third time to talk to a "senior account manager" because this second woman can't do anything about it.
The moral of the story: MAKE SURE YOU CHECK YOUR FINANCE CHARGES AND QUESTION FEES THAT DON'T MAKE SENSE. And here's probably the bigger lesson: don't ever use the checks that come in the mail claiming 0% interest b/c even when you read the fine print and everything is what it's supposed to be, they still get you. Though I will continue to try to get my money back, this "processing error" is a pain in the you know what. I wonder how many processing errors occur each day.
After reading about how unhappy the company's consumers are, I wonder how they are still in business - maybe they get the first time credit card holders. (They were my first, and after almost ten years, I'm still at the same interest rate (the 0% was too good to be true). My other credit card companies reward me with low rates for my good credit.)
Capital one is the absolute worst financial institution out there they try to devise ways to make you fail, I have been paying a car loan for five years without fail on time they then at the end of the loan lifr coun days you did not pay exactly on the due date (due date on the 8th of each month online banking sometimes takes a day or two to submit to them sometimes they would receive payment on the 9th or 10th at the latest falling well within grace periods allowed by all othee institutions now they say I owe an additional 87.00 bucks and I can no longer submit this final ### payment via online banking I have to send a money order to plano texas, what a crappy institution please if you are considering any business with them you should really re-consider, lets put them out of business!
The complaint has been investigated and resolved to the customer’s satisfaction.
I have had a similar problem with this company. I was offered a 0% introductory rate for purchases and balance transfers until 2/2/09. I contacted Capital One to determine the exact date the 0% was good to and was told by the representative that a finance charge of 14.99% was being charged on my balance transfer and the offer for 0% was not good for the transfer. I asked to speak with a supervisor who then determined it was Capital Ones error and they should have processed the balance transfer at 0% so he transferred me to another person to get it corrected. The next lady said no that it was correct at 14.99% but then proceeded to tell me that the offer when I opened the account was 0% on purchases and balance transfers were the same a purchases. Which would be 0%. She told me I was incorrect and who ever I spoke to earlier misinformed me on the error on Capital Ones part. She then transferred me to another account manager who again told me that the rate is correct at 14.99%. She asked me if I had my offer paperwork and explained that I no longer had it but told her I was advised by two representatives that my offer was 0% on purchases and balance transfer. I told her why would I transfer a balance to a card that is 14.99% when I have excellent credit. It makes no sense. They have over charged me over $1000 in interest. I have been reading other peoples complaints and it seems that this company is scamming customers and when they are called on it they will do nothing to help. You have some reps that will tell you it is their fault and they will transfer you to someone who will correct it but when you get the next rep they blame it on the customer. I worked in credit for many years and would never dream of treating customers this way. Something needs to be done with Capital One and the way they are doing business.
rip off
I have a personal loan with Capitalone. The payments come out of my checking each month, so they know they are going to get paid. There was an accident in front of my house and two of the family cars were totaled which made finances tight. I ask if they would defer a payment until the end of the loan. Do you think they would, of course not. They didn't even look at my account to see that I had been paying double on everything for over a year. They are uncaring individuals. I am very unhappy with them.
The complaint has been investigated and resolved to the customer’s satisfaction.
fraudilent practices!
When I received a pre-approved credit card solicitation from Orchard Bank, it said nothing about annual fees associated with the card. So when I called to respond to solicitation, the first thing I asked an account representative was whether or not the card had an annual fee. I was assured it did not. I made it very clear that unless the card had no annual fee and the introductory APR was locked at 0% for the first 12 months, I had no interest whatsoever to open that account. Again, I was assured by the account manager on the phone that the APR was indeed 0% for the first year and there was no annual fee. I also stated I was not interested in any other bogus fees, like proetection insurance, and such. I stated that the only thing I want to see on my monthly statements, were my purchases, and nothing else - otherwise, I have no interest in the product offered. Lo and behold, when I got my first statement, annual fee of $39 was listed there. After calling the 800 Customer Service # being placed on hold for about 6 minutes, I finally got to a customer service rep. After hearing my complaint, she informed me that she needs to transfer me to another account manager. I then repeated my complaint to the account manager. She informed me she regretted I was "misleaded" (her words, not mine - unfortunately, the lady possessed very poor command of English language) and said she will go ahead and close the account even though they were "sorry to lose my business". I pointed out to her that if she was truly sorry about losing my business, the right (and ethical) thing to do was to deliver on their promise of no annual fee card and waive that fee. She said again she was very sorry but she could not help me in any other way. I asked he if she really thought that the bank was actually going to collect the fee I was promised not to be charged in the first place, to which she replied, "if you don't pay us, we'll report you to all three national credit bureaus". Great practice, eh?
Orchard bank has a great way of ripping you off. Their credit protection elite is nothing more than a scam. and trust me when I say this I am having this issue looked at legally. I have the protection and have always had it since I got the card. So I get some Hindu clown who stated by the way he was in the USA. What a crock anyway. I retired in 2008 from my job. In october 2008 I had to go back to work at another job due to my wife being disabled. I worked there till 03/15/2010. This is when the company shut down our operation. I filed this paperwork along with the unemployment proof and I get a letter stating retirement is not covered I filed on the unemployment not retirement and by the way retirement is covered it is on their insurance page so they lied!. But take a look at the protection elite page. This Bin Laden sounding clown states that on page 15 it states retirement I asked this idiot what page 15 I only sent in 3 pages. Any way I believe Orchard Bank (HFC of Nevada) are guilty of Bank and lending fraud. So Now I will talk to a lawyer and My Attorney Generals office here where I live. But trust me when I say I have proof that they are guilty of bank fraud. So now it is time to stick it to them and their associates. ENOUGH OF THE ORCHARD BANK RIP OFFS! CARD HOLDERS IF YOU DONT FILE CHARGES AGAINST THEM THEY WILL ALWAYS GET AWAY WITH THEIR ILLEGAL ACTIVITY.
abandoned property
I had a 3 year Cd with Green Point SAvings of New Hyde Park that expired in Feb 06'. I received a letter at the time that it would autorenew for 3 years with the new Bank at that time, North Fork. So, it would renew with a new expiration of Feb 2009. Since then this Bank was acquired by CApital One. I received a letter from CApital One listing this account...
Read full review of Capital One and 8 commentspoor customer service
Rcv'd phone call alerting to fraud activity on my CAPITOL ONE credit card - when contacted c/s serv was constantly transfered around reps would not give me any info unless I went personally to my bank for verification of my identity - next business day went personally to my bank & contacted c/s serv once again was transfered around & each time was asked same questions to prove my identity which was an extreme embarrassment to me & employees of my bank - then was told need to contact back in 2 hrs because of technical difficulties. again contacted c/s serv 2 hrs later & again tansfered around again - recv'd nothing but hassels from the self proclaimed no hassel company.
The complaint has been investigated and resolved to the customer’s satisfaction.
fraud and scam
I had been a customer of Capital One for quite sometime starting in 2000 and ending in 2004. The reason I ended the relationship was just that I wanted to get rid of the card, since it wasn't needed anymore. Well here we are in 2008 and I decided to obtain another credit card with Capital One. So I received my new card, made some charges and on pay day I...
Read full review of Capital One and 1 commentswitch scam
I requested a auto refinance loan and then I did not receive a denial, instead it was "referred" to Roadloans.com who charges 12% interest. I am guessing that Capital One gets a fee out of this, so maybe this is how the loan crisis began by turning people down who have good credit, so they pay a higher interest.
I agree this is B.S. for you guys with good credit. However roadloans is a reputable company and provides a good service to guys like me with less than perfect credit. I will say cap 1 is getting shady the dont wanna lend for anything anymore like all the big banks they got their bailout and their not sharing.
This is insane ! and really funny at the same time ! ... same thing happened to me today, as described by reddffox . Applied on line to Capital One for a auto refinance. Credit is strong ... same thing ... would get their decision in 24 hours ... Boom .. one hour later 4:15 pm ( log that time in) I get the email from Cap One ... declining the loan ... they would send a letter ( why not an e-mail?) with reasons why they declined.
Boom .. at 4:17 pm I get the Roadloans approval email.
Now, folks, I admit I'm not the sharpest knife in the drawer ... but get out of town .. even I know these guys are scamming. The funny thing is .. I would have thought somebody in the scam planning meeting, somebody with average intelligence would say ... na, they'll (the consumer) never go for this ! But, nnooooo, greed has these num_nuts blinded.
OK, here's how they play the on line scam: Cap One sends the email out to a huge list ( some call it broadcasting) They're fishing ... Boom .. got one ...
At this point, it was never intended to run the loan through Cap One ... (I believe reddffox when he says he has excellent credit) they're using their image as a large financial institution to push good credit and OK credit people to RoadLoans. They get a commission (percentage) of the loan... even if it's less than the 4.34 they scam with ... they still don't have to carry the paper. Free Money !
Think about it ... with all the spam that tries to get to you ... would you have responded to an unknown company like Roadloans ... filled out their application ... given them your fricken SS number ! NO ! No way .
Summary: Cap One and #1 Roadloans have a deal ... some where some how ... hey if they read this ... so, sue me.
#2 They have covered up their tracks like a cat in a litter box. You couldn't find the connection any better than a blood hound with pepper up his nose.
#3 It's a scam ... and hold the phone Millie ... even guys like me now know it !
But, it doesn't matter ... even the internet can't stop them ... how many people will come to this web site ? To them(Cap One and Roadkill) it really doesn't matter .. they play the percentages .. so many get hooked ..so many get away ... ... it's all free money ... the Banking community put us in the recession ... and we bailed them out ... the same idiots that screwed things up the first time are now using our tax dollars to scam us ! Geez, only in the good old USA ... what a country ! ... I love it. Being hosed by your own banker ... now that's real message.
Good Luck Friends ... we're still in the ground war and the bank idiots are our home grown IED's
I agree. This is the second time Capital One did it to me.
They send me an email and they offer me a car loan or a car loan refinance.
Then they decline my online application and an hour later I get an email "offer" form RoadLoans.
Last time the RoadLoans called me and offered me some idiotic loan terms. I declined.
I guess they will be calling me tomorrow offering me the same exact bologna.
I have an average credit score close to 760 so I guess Capital One is playing some kind of a game here..
Naughty bankers, naughty naughty..
I just applied for a capitol one auto loan and I already have a loan with them on a previous car that is almost paid off. I am going to trade it in on another car. They refused the loan for no reason. They say they will send a letter. This is very disconcerting since I have an excellent credit rating with clearly enough income to qualify. I wish others would post if they too have excellent credit and have been refused a low rate used auto loan through Capital one auto finance. This is a totally different complaint but I am wondering if they are going to pull the switcheroo the person complained about above.
terrible policies and customer service
After owning a credit card with Capital One for nearly 3 years and paying down a credit line in excess of 5, 000 (ON TIME) within a years time, my balance was finally paid in full! Or so I thought... I was always in the habit of paying my bills online, Capital One was no exception. The month following my final payment, I received a statement that showed I owed a balance of 3.85 with a late fee! I was puzzled and contacted their customer service department - located in INDIA...
While I have no problem with outsourcing SOME services, why would customer service be outsourced to a call center that only knows how to repeat a script and not deal with real problems?
After explaining my situation several times to the gentlemen, he explained that the 3.85 was the last finance charge owed on the account, and that he would remove the late fee if I paid the 3.85 balance that day - reluctantly, I did...
Two months later, I received another statement - showing I had owed .50 cents (for who knows what) with a late fees to boot! The total on my bill was now 49.00...
So, I called customer incompetence center..
Without even listening to my problem, I was rerouted to "collections" where a gentlemen proceeded to read me the script about how much I owed, how much was due, and how would I like to pay.
Calmly, I explained that I would not like to pay because the charges were ### and that the account had been paid in full 3-4 months prior and asked him to check his records.
Again, recited a script, asking me how I would like to pay and telling me my options when I rudely interrupted and asked to speak to a manager. Rerouted, holding, finally someone - nope, just another person who decided to tell me the same information over and over about how much I owed, etc.
After interrupting again, and explaining that I would not continue to repeat the problem, I asked to speak to a competent supervisor. Rather than doing that, the gentlemen told me that he would take care of the account, saw the problem and would zero the balance with no negative reflection on my credit - of course. (rolls eyes)
Three days passed, I logged on to my Capital One account online and saw that the balance was now 59.00.
Beyond the capability of patience, I again called the screw-you-over line for customer service...
After going through two people who I could not understand and who in turn, did not understand my problem, I was put on with a "supervisor". This individual explained to me that my account was zeroed out, but was still in the process of being closed. I was shocked, "Closed!?"
I was told that because my account was so overdue and all of the charges were late fees and finance charges, that in order for them to zero the account - it had to be closed. Part of me was overwhelmingly angry. After using their credit card, maxing out the credit limit and paying it completely down to zero, this is how I am treated? (believe me I will be checking my credit reports to see if this was a charge-off - although I was explicitly told that it would not affect my credit negatively).
But, honestly I am relieved and will never use Capital One again... Despite the 10 million solicitations they send out in the mail.
With so many people not able to pay their credit card bills right now due to the current economic state in the US, it is amazing that I was treated with such disdain. I truly hope that these type of management practices catch up with a company such as this. Next commercial I would like to see is the Board of Directors being attacked by whats in their wallet...or not in their wallet - and having to contact their own customer service department for help - Ha Ha Ha
They continue to call me over and over and over and over. I asked them to contact me VIA mail.
I totally agree with every one that puts a complaint with capital one loan sharks.im in canada and we ran into trouble and we could not give the minimum required payment that they sent to use on the bill threw email.So we at least made a 150.00 dollar payment every month and more when we could so with the lousiest communication that i ever herd of it says on the back of the card the number is for USA and canada what a joke that is we phoned a number of a cations and capt getting this number for canada when i phone them the give me back the number on the back of the card.so that miens the right hand has no idea if the left hand is picking someones a? our something but they just don't now what is what with there own company.yes i angry that capital one is number one in ruining peoples life's now im going to take this idiots to court and plaster a blog on as many sites as i can find.
When you get a collection call just save the number to your cell phone
After saving go to edit details
Put no name, just the phone number,
For ringtone put NO RING
Save contact
From now on you will only get missed calls and no irritating phone calls from computer generated collection.
currently I have over 30 numbers
also make sure your family is on the DO NOT CALL LIST...because they will harrass them too!
I suffered with these jerks calling me night and day. I kept telling them that the guy they were looking for did not live here, never lived here, and to leave me alone. They would promise to do so but then called the same day again. I don't and never did deal with Capital One, I don't know how they got my number.
Here's the solution I used, and it worked. Call you phone company and they will tell you how to block the number. There is a code to punch in after or before you call the Captial one number and it blocks every call they make to you! I'm sorry I forgot how to do it as it was several months ago, but this works. I know this is working because my Bright House shows incoming calls on the tv but the phone doesn't ring. It comes up as "800 Service" and I know that the jerks are calling again, but I don't have to deal with it anymore! Try this and you will finally get some peace from this relentless company! I will never do business with these people because of all the harrassment they gave me for no reason!
I too am getting calls from Capital One, and have never in the past, not will I in the future, be a customer. Do they think I have control over a relative's business. How did they get my WORK cell phone number? First they would ask for the relative, now when I say hello, they hang up! When I called they said my number would be remooved in 2-3 business days. Not acceptible in my opinion. The manager I then asked to talk to could not do any better. When I told him I thought this was harrassment, he disagreed and said it was more like UNETHICAL! This from an employee! What's in your wallet? Hope it's not a Capital One card...spread the work to your relatives as well. If they miss a payment, they will let it be know to everyone in your family, cause they'll be calling anyone and everyone they can find!
For many months I have been receiving calls from Capital One on my cell, at work, and at home from [protected]. I receive an automated message stating that Capital One is attempting to reach a James Patricky. I have had these numbers for a long time and do not know of a James Patricky. I also have never had an account with Capital One. Throughout this period I have asked them to remove my numbers from their list. I have been told by them that it would be done immediately, could take 72 hours, and could take up to three weeks. Every time I speak with someone and explain my situation, the person's attitude becomes very condescending, disrespectful, and rude. I have asked to escalate and they refuse to let me speak with anyone else. I have used the [protected] number as well as numbers from Capital One's website to try to get them to stop. All of my numbers are also on the National Do Not Call list, but this doesn't help. I would love to know how to involve the authorities to stop them.
Capital One has about 35 different phone numbers they use, my wife has been very ill and unable to pay her bills and since we have seperate finances in the same house the phone calls have been harassing me as well as her. I have been keeping records of Capital Ones phone calls for about a year so I know about the way they try to collect and the phone numbers they use. It is not worth the fight, I have a ring controller that is set up to allow family and friends to get through, no one and I mean no one else can reach me unless I decide to put them on the pass list. These units can be tricky to figure out but well worth the effort. Capaital One and GE Money fall in the worst of the worst.
It appears Capitol One is now using a tactic of calling from different numbers to bypass the system. I also have a list of numbers Capitol One uses to call from.
I started using my Droid cell phone as a tool to create a list of Capitol One's Harassing numbers. I add all these numbers to their contact info and have setup that any call coming from Capitol One goes directly to voicemail.
I feel that if we can create a list with all the numbers they use, others can come to this site and do the same as well as add any new numbers they come up with.
The first part of the list below is from one day of collecting the numbers from their harassing calls...
I have added all the numbers discussed from this page to the list. I request that when anyone comes to this page with a number that is not on this list that they make a post and add it to the list for all to use.
Just copy and paste all the numbers together into the new post.
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
Thanks
Jim
I've been receiving an average of 11 calls daily from a number...[protected]...on my cell phone. No messages ave been left o my voice mail when I have forwarded the calls to same. I answered it one day and the "bot machine" connected me when I said "hello" to a female rep that sounded Asian.
I asked what she wanted and she asked me for my social security number. I asked who she worked for and she stated that she was calling to offer me a promotion on my Capital One account. I told her that I wouldn't give her any personal info and tat I had received over 8 annoyance calls per day from her number. I also stated that I wanted te calls to STOP immediately, and I hanged up. This occurred last week on 2-15-10
Next day, the calls began again. They have continued daily and now average 13 calls per day.
I call this harassment. Where are the authorities in this? I'll be filing a complaint with the NYS Atty General next week. This misconduct is criminal and disrupting my life.
Capital One is calling my daughter's cell phone daily. My husband called them once to ask them to stop. Whoever he spoke with after asking for her social security number (which he refused to give...) said it would take 72 hours. That request was made on 2-3-10.
We do not now, nor have we ever an account with them. I called our local cell phone provider and they blocked 5 of the numbers, but she continues to get calls from other numbers. They usually call two or three times and then stop. The calls start over the next day usually around 4 or 5 St. Louis time. Sometimes they leave a message that is cut off so we can't even what it is because it is a recording. She is in middle school and does not have any association with Capital One.
The following numbers have been calling her phone all calls are Capital One
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
When we got her the cell phone over the summer we immediately put it on the no call list.
reimbursement for disputed charges
On Nov. 21, 2007, I purchased a round trip ticket through Expedia from RDU to HYS. My return flights on Dec. 11, 2008 were cancelled. Cancellations were weather related. Great Lakes Air and American Airlines (AA) re booked me with the same itinerary for the following day. However, the AA agent told me that because the initial leg of my flight on Dec. 1, 2007 was via United (RDU to ORD; ORD to MCI), United would have to issue the new ticket. I spent the remainder of the afternoon and a good part of the evening on the telephone trying to get this ticket issued. Out of frustration and desperation placed another call to Expedia. I explained to this agent that the first UA agent told me UA could not issue a ticket for another airline. Subsequent calls to Great Lakes, AA, and Expedia told me that under the circumstances UA could. Relaying this to the next UA agent I spoke with, he told me the ticket would have to be issued at a United counter and he could not help the fact there were none within hours of HYS. Although Great Lakes Airlines appears to be a United partner, this agent claimed Great Lakes could not issue the ticket (ultimately they did the following day and my itinerary says I flew United 5041, operated by Great Lakes Airlines). Conferring again with a Great Lakes agent, I was told they would accommodate me and fly me to DEN or MCI where there were UA counters (the agent confirmed I already held a reservation on their flight 5068 to MCI). Relaying this to the next UA agent I spoke with, he told me I did not hold a reservation on flight 5068, the flight was fully booked, but he could book me on a later flight. However, he was sorry to tell me I would not be able to make my connection on AA 4695, and I would have to be routed on other UA flights to RDU. I next called Great Lakes and their agent assured me I still held a reservation on flight 5068. It was at this time I called Expedia again and talked to an agent who was able to act as an intermediate, by simultaneously contacting a United agent. He told me United was not willing to accommodate me with the reservations I presently held because it was not in their financial interest. He told me United was willing to accommodate me with two itineraries, both with United as the carrier. I choose the one through DEN, even though the weather forecast was for freezing rain through the night. Safety, my disabilities, and recent surgery are another issue I won�t address; UA didn�t care and I wanted to get home. The Expedia agent relayed my choice to accept the flight through DEN to the United agent. I was told to check in at the Great Lakes' counter in HYS at least an hour prior to my flight.
I should have filed a complaint pursuant to my experience described above, but I had already expended considerable time and was content this ordeal was over, but in reality it had just started. When I received my Capitol One January statement, I noticed two charges on Dec. 11 to United, $649.90 and $15.00. This was the date my flights were cancelled; the day I was not even able to travel to the Hays airport. I never gave my credit card number to a United agent for these charges, nor authorized Expedia to do so (recall, the Expedia agent was my mediator; I never even talked to a United agent in finalizing my flights). I don't know how United was able to obtain my credit card number.
In addition to fraudulently charging my credit card, United Airlines violated the terms of their contract. Rule 240, section C 1 A in the United Airlines Contract of Carriage states that �UA will transport the passenger without stopover on its next flight on which space is available � at no additional cost to the passenger.�
Capital One violated the terms of their contract by not removing these fraudulent charges from my account. Initially their contention was the charges were legitimate because the service was provided (UA transported me on a flight). Subsequently, their contention is there was no fraud; I actually purchased two tickets with different itineraries and it�s inconsequential how UA obtained my credit card number or if the charges were made without my verbal or written authorization.
In trying to recover these charges, several contacts were made to UA:
1. There is an average waiting time of 30 minutes to speak to an agent
2. Agents have no authority, although you must tell every detail of complaint before being referred to a supervisor
3. Referrals to supervisors incur additional waiting time, or voice mail instructs consumer to leave phone number for return call
4. Return calls not usually received (I received only one after having left several messages)
5. All agents I spoke to in refund department with UA were difficult to understand because English is not their native language. Either my wife had to speak in my behalf, or we had to request another supervisor � more delays.
6. On March 7, 2008, via e-mail, UA issued an apology and offered me a $100.00 travel voucher on UA, but no additional refund or compensation for fraud or violation of contract
7. UA finally agreed to refund charges if I could provide proof flights of Dec. 11 had been cancelled. This information was provided by phone on March 11, 2008 by Great Lakes Air agent
8. On May 28, 2008 United only offered to refund an unspecified value of return portion of original ticket (original full round trip ticket was purchased for $554.20)
Having not received a refund, I disputed these charges with Capitol One because they were not authorized:
1. Pursuing dispute through Capitol One required at least fifty hours on phone and preparing and sending documents.
2. Every phone call requires navigating through several layers of automated menus, holding time, and frequent misdirected and dropped calls
3. There is no was to speak to the same agent after misdirected or disconnected calls, and the entire history has to be repeated each time (Capital One agents are prohibited to initiate outgoing calls)
4. Identical documentation and information was requested several different times
5. Although Capital One initially refunded these charges, following their �investigation� the charges were reinstated. In their analysis, the charges were not fraudulent even though documentation was provided substantiating I was using a previously purchased ticket in accordance with United Airlines Contract of Carriage
6. On May 28. 2008, after four hours of calls to several agents and departments, the individual agent I was speaking to at the time discovered I UA had actually issued a credit on May 6, 2008, but the credit had somehow gotten lost
7. This lost credit would take an additional seven to fourteen days to appear on my statement
8. My last balance on Capital One of $156.90 was due on June 20, 2008. If the credit was not found and applied to my account, I would be required to make a payment towards this balance
I have volumes of notes and documents, which I would be happy to provide in part or in full upon request.
The complaint has been investigated and resolved to the customer’s satisfaction.
penalties & finance charges despite payment in full
Last month, Capitol one stuck $64.68 of charges on my account, ostensibly because my payment was late. After I showed that my bank had made the payment on time, the charges were removed.
This month, however, I have a new charge of $9.56 because I paid the balance less the $64.68 (which was credited to my account before the due date.)
Today I had to listen to Tara and Shirley from Capitol One "Customer Service" tell me that a zero-balance isn't proof of payment in full...that I should have overpaid the account by $64.68 in order to avoid the $9.56 finance charge. What rubbish!
Let's do the math, too...assume for a minute that the erroneous charge of $64.68 was valid, 9.56/64.68 over 30 days amounts to %177 APR.
The complaint has been investigated and resolved to the customer’s satisfaction.
stolen card
My home was broken into in April - the thieves took and used my Capital One Credit Card and AOL Visa credit card to make gas purchases. I called Capital One and AOL Visa immediately. A fraud representative from Capital One told me she would be sending out fraud forms for me to complete and the amt of 106.00 would be removed from the card. It is July and I am still waiting for the fraud forms and the 106.00 dollars to credit to my acct. I have made numerous phone call regarding this matter- still with no results. The 106.00 balance is still being carried on the card. As soon as this matter is resolved I'm canceling this acct-never to return.
As far as AOL credit card- they resolved this matter in days!
IF YOUR TIME IS IMPORTANT TO YOU, NEVER USE CAPITAL ONE CREDIT CARD. They are the worst in the industry! For the 4th or 5th time in a few months, they have put a hold on my credit card for no reason. It is so embarrasing! I am waiting in line to pay the cashier at a supermarket and the card gets declined. I know that there is plenty of money on the card, so I called the customer service number. Guess what? I am transferred to India, where I could barely understand the customer rep's thick Indian accent. I had to repeat my card number several times, then she argues that the number I gave is not a legitimate number. I said, "What?!" I am reading the card that you, guys issued me and I have been using this same card for years. Then, she puts me on hold for several minutes. Upon her return, I remind her that I am still holding up the line at the supermarket and people are starting to glare at me like it's my fault that my credit card is having problems. The service rep asks me to repeat the credit card number 2 more times, puts me on hold for 3 more minutes and then says that there is no hold on the card and for the cashier to try to run it again. For the 4th time, the store cashier runs the card and again, the computer screen says that the card is declined. I tell the service rep this, and she still insists that it is not on their end, but on the store's end. The cashier runs the card 2 more times. Same thing. I ask the service rep to be transferred to a supervisor and she says in "an-i-don't-give-a-crap" voice, "I can't transfer you until I exhaust all the troubleshooting possibilities. What are the last 3 digits on the back of your card?" I give her the number and she says, "That is an invalid code". Again, I shriek, '"What?! I am simply reading the back of my card and I have used this code and this card for years? What is going on?" She says (amused), "Hold the line..." Again, I was on hold for several minutes, then she comes back on the line and said, "I don't see any problem on the card. Run the card again... Maybe this time it will work." I ask the cashier (who at this time, is now glaring at ME), to run the card one last time. Guess what? Card is still declined and the phone goes dead!
I can relate. I reported my card so long ago I had to choose the option that says 'report your card as lost, missing or stolen'. Those options are probably separate now. Anyway, it vanished at a restaurant and I reported it promptly. I was told the typical (at that time) this and that about it - I wouldn't be responsible for fraudulent charges, I didn't need to report it to the bureaus, blah, blah, blah... I had done what I was supposed to do and the canceling and such of the account was going to be done on their end.
I found out years later that not only had the account never been canceled or whatever but also that it had been accumulating compounding fees and interest for all that time and that they never did report that I reported the card as stolen (even up to - literally - today). After several years they decided that they wanted a police report, which was not expected nor asked of me at the time and I obviously couldn't get after half a decade, not to mention a whole bunch of other things, when I hadn't even heard from them for years and my credit report with them showed as okay.
They have harassed my family relentlessly, calling up to 17 times a day- knowing that I don't live there and that they are calling a business number, not a home one. They finally stopped when my mother told them they had been and would continue to be reported every single day they did it and that she had no problem with suing them as well. This is about the time they decided to report all details of my "delinquent account" to the bureaus.
This card, I might add, had a balance of less than 5 dollars when this happened - that money was sent to them and they accepted it, had been payed on time the entire time I had it and payed at 95% of the total balance each time. I was trying to build credit since I had none. Needless to say, my credit is now hosed and I wouldn't be all too surprised if they've tried to get some kind of judgment against me without my knowledge.
credit card fraud
My name is Scott Wright. I am a victim of credit card fraud. A girl has gotten my information from my mail and gotten a Capital One Credit Card in my name with her as co-signer, so she could use the card. This all happened in 2001 from what Capital One has told me. I first found out in or around the first of 2003. I found out through my credit report. At this time I contacted Capital One and explained to them that I had never owned a Capital One card nor had I even applied for one. The check all the transactions and signatures and found that this girl had fraudulently used my name to get the card and that she had been the only person to have ever used the card. I can not remember the name of the lady that I talked to at Capital One, but she told me then that she would take my name off the account and hold the other lady responsible for the account. She told me that it was all taken care of. This was in early 2003 remember. Well I hadn't heard anything from this account again until June of 2008. Now all of a sudden it is back on my credit report, and for much more money this time I might add, and Capital One tells me that they can no longer pull up my account on there computers to see the history. They have now turned it over to a company called Northland Group Inc. This company tells me that they also can not look up the history of the account and that I must either pay them or work things out with them. I am at a total loss on what I can do now. Can anyone out there help me?
harrassing phone calls
I bought a car through a Capital One Auto Finance 2 & a half years ago. In good standing. A few months ago they sold or gave my account to another company owned by them. Ever since that company has had my account, even though my payments still go to Capital One, I start receiving harrassing phone calls on my cell phone (only one I have) BEFORE my grace...
Read full review of Capital One and 5 commentsmidleading and bad customer service
I have been a Cap One customer for years. In January I made a balance tranfer to my current APR which was 0%. I asked for the deadline of my current APR before I did the transfer and they told me there wasn't one that they could find so I was good at least until the end of the year. I questioned this and asked if they would confirm all of this in writing. They did, only the sheet they sent me only said I transferred to my current APR - it gave me no deadline for my APR. In April sure enough my bill showed up with a new APR of 9.9%. I called immediately to voice my concern and they told me they would fix the interest rate and that they would refund the finance charge. But sure enough this month the bill showed up with the same APR and another finance charge. I called again and was treated horribly. I was told there was no record of beging told my APR had no end date. I requested that they at least refund my finance charges for two months and was told "No". I was transferred at least 6 times, hung up on twice 'accidentally' - (and no I wasn't yelling) and finally told they would refund one month only. I asked why - because I was never told they declined my original request and she said "HEY - WE DON'T HAVE TO DO ANYTHING HERE -THERE IS NO RECORD OF YOUR CONVERSATION ABOUT THE APR". So I agreed to take one month and I am cancelling my account. I feel that I was purposefully lied to in January just to get me to transfer the money. The old bait and switch game which is supposed to be illegal. Don't use Cap One - they are rude, and dishonest.
The complaint has been investigated and resolved to the customer’s satisfaction.
I had originally called to inquire about a credit balance I had on my capital one credit card . I was told I had the credit yransfered to available credit. I then found out that was not true. I called again and was told I did not buy had a balance I could pay online yet when I tried I was unable to. I called for the third time and was then told I had an available credit of four hundred dollars Andy again that was not true . Every call following those became increasingly difficult .I had repeated asked to speak to supervisor and would bein hold for ten minutes ay a time.not mention the call would be disconnected overtime wa supervisor . Last phone call I was given a good garb credit but wouldn't applied for afaik or 2. When I asked to Mae a formal complain.t I was told I could not. Very aggravated. Wasted 10 different things and yet the supervisor would not so anything but speak to the customer service reps if she could handout who they were asked speak to her supervisor and was told she was the highest supervisor. This took three hours out of my day. Sorry does nor cut it.
Had this experience too, just earlier today. Spoke
with their representative and was treated with no
respect. been loyal and done my best to keep my
account up to date but it was never considered. Called
them up tried to atleast lower their extra charges & paid in full but come 2 weeks later they just close it without me knowing. told that i agreed for settlement. now they could not do anything. DO not join and build account with them guys. they sucks, BIG time! -- Chris
scam and cheating
I had decided to make use of my time overseas to improve my credit and started this credit card account. As I am in a country notorious for postal corruption I thought it would be better to use my sister's address. I have explained to them over and over that I work for the Government overseas and for security reasons I have my mail going to my sisters. The whole issue started when I logged into my account from home where I use a local ISP, at work because it is a government office we are on U.S. I.P Addresses. After this logon they blocked my access to my account. This caused me to incur a late fee because I couldn't see how much I owed from the initial annual charges. I had to incur the additional expenses of calling my sister to have her look at the physical statement. Then I paid the whole thing off. To remove this security hold they wanted a notarized letter from my sister, a letter from my office, copies of my identification and hers. She has mailed this three times to the address they provided:
HSBC Card Services
P.O. Box 80055
Salinas, Ca 93912
Their toll free number is:
[protected]
The have repeatedly told me they have not received it. So, here I am stuck with a valueless piece of plastic because I wanted to improve my credit. Their customer service people that I get to speak to are useless and offer no customer service at all. I have requested repeated that due to the fact that I am in time zone that is 11 hours ahead of theirs, if they would communicate with their security department and email me. No they can't do that. I am beyond frustrated, but don't see another option to fix my credit or get this to work for me.
The complaint has been investigated and resolved to the customer’s satisfaction.
It has been weeks and I have not recieved, my master credit card.It has a limit of $300.00.They took out $39.95, From my bank of america account.Also the limit of $300.00 went down to $2oo.00, I have not used it yet, In fact I have not recieved it at all.Thats a big problem there.Thank you in advance if you could help me.Mr.Anibal Ferrer.E-mail=ajandakferrer@yahoo.com
I am inundated with emails all day every day from this bank. Most go to spam but the overflow to my inbox is unbelievable. I have unsubscribed numerous times to not avail. I also made a complaint to the federal website. It's like Capitol One all over again. I cn't believe with all the complaints against this Bank that their practices continue.
I NEVER APPLYED FOR ANY CREDIT CARD AND THEY SEND ME A LETTER FROM COLLECTION DEPARMENT (HSBC) ORCHARD BANK
HSBC Orchard bank, your calls to their 800 customer service number. When you asked for dispute, call will be redirected to dispute department in their off shore Indian call center. The agent Joseph who'd refused to give last name told me they can only dispute a damage claim $112 of a total purchase of $1, 326.2 which the Chinese supplier only submitted an invoice of $911. They cited Master Card agreement that they cannot help you with partial refund for no shipment? ($1, 326.2 - $911 = $415) And shipment was damaged by DHL China from China to LA, but the supplier said DHL China won't pay claim. So I'd asked them to submit invoice from DHL China for that $462 charge and a concession letter, so I can file the claim in US. See if DHL USA will handle the claim and refund the $462 freight charge on shipment they had ruined? But China supplier refused to submit the papers because the real amount from DHL was probably not $462. So I'd asked the dispute department to help me with shipping/handling under this circumstance that the seller was dishonest. Again they had cited Master card as they won't deal with shipping/handling. You can see the mentality is different, Orchard credit card should be my banker. Help me to file dispute of the total amount, if the other party should refund the no-shipment amount of $415 then they should pay back or submit their proof that they had already shipped. And also if they insisted to keep the $462 freight? They should submit the real invoice that DHL China really did charge them that amount and a statement DHL China refused to pay for claim on damaged shipment. Because no couriers in US can still charge freight after they smashed the goods. The whole problem was the math of the Indian staff was not that great, they could not subtract the only invoice received was $911(including the $462) and there was a $415 amount never being shipped. The factory sold something they didn't have and conned me to pay them for full amount then sent me some junks that I could not return because China is too far away. I'd spent over 20 hours in communication over the phone, they always put you on hold to read the invoices. But nobody can help them if their math was too bad and acted not as on your side but on the other party's side. Once the dispute is submitted, the other side which is the vendor can submit their proof to say otherwise. It is not their right to be a judge and not to help me to file dispute? Who dare to use their cards?
There should be a way to adjust your spam filters to totally block out anything from thier email addresses.
You might check with the FBI and see what can be done also.
You might find out the emails of the bank managers and start forwarding all of these spammails to them.
fix your credit by getting a pre paid master or visa card from your local bank and stay away from these people
all you need to do is file a DISPUTE on your credit report and it will be removed.
fraudulent activity
This company is terrible when it comes to customer service. You'd think that you could get someone on the phone in the fraud department after all fraud is a serious thing.
I mean they send me a theft affidavit and they don't even give me enough time to send the form in before they decide they are going to close the investigation.
I just want the two charges taken off of my account.
The complaint has been investigated and resolved to the customer’s satisfaction.
scam and cheating!
On monday October 1st 2007 I checked my checking account online normally as I do i see a balance of five dollars and some cents it was good. And again I checked it again on Wednesday October the 3rd 2007. I was paid on Oct 2nd about $574.00 and I saw 7 overdrafts charges of $32 each totaling $ 224.00 dated on the October 1st. I immediately called a local branch in Dallas, Texas I was told they were not responsible but the branch where I opened it at in New Orleans, LA. I did call and talked to the assistant branch manager to get the charges waived but she said if it was not their error they would not refund the money. I looked over my account and saw that the most of the charged were debits why did they go through if there was no money(insufficient funds) because if that was so they should have been declined and there was a charge $ 99.00 that I didn't expect which a company refunded in 2 days. The bank claimed that didn't cause the overdrafts.
I just want these overdraft fees waived because if these not were not charged I would have been in good standing. They should have been declined if supposedly I didn't have the funds. My debit card was also canceled on October 1st and nobody seems to be able to tell me why all I was told there was an 'alert' on my card. I still waiting for a replacement I do not know if this related or not.
All I want is my $224 back I don't think this is fair I know for a fact if an account does not have sufficient funds it will automatically be declined.
The complaint has been investigated and resolved to the customer’s satisfaction.
Capital One Credit Cards is a big scam.. They cheat on everything, even on rewards, limits everything.. DONT GO FOR CAPITAL ONE CREDIT CARDS EVER... Wait for some time.. you ll get great deals from CITI, CHASE etc...
I sincerely feel for you, I'm presently fighting ''Capital auto finance'' for some made up charges from extension of one monthly payment, this was in 2008, Capital one will WILL FOLD UP, just a matter of time. This are very bad evil people. during the weekends i'll be going to different car dealerships to tell customers on the car lot to beware and avoid using ""capital one for their financing.
My name is Adam Berlin; I own and operate Sports and Imports. We are an independent auto dealership located in Asbury Park, New Jersey (Neptune TWSP).
In light of the recent “bail out’ appropriation to Capital One, I felt obligated to share the details of my situation to help prevent Capital One Bank from similarly mistreating other qualified borrowers and to ensure Capital One Bank is held accountable for their actions.
Capital One Bank has wrongfully refused to honor a floor plan financing agreement that was renewed and signed on July 1, 2008 for a term of 1 year. Specifically, the Credit and Security Agreement (CSA) entered into in this matter provides for a (1) one year term, which was not scheduled to expire until July 1, 2009, “unless sooner terminated pursuant to a default”. Their termination was expressly based on a “business decision” without relevance to any of the terms and conditions of the CSA. This is the type of corrupt, deceitful and greedy corporate behavior that I thought the government was trying to prevent.
On August 14, 2008 Capital One announced they would end financing of auto dealers' inventories (floor planning) in New Jersey and New York. They gave dealers a very unrealistic time frame, 45 days to find another bank. Oddly they said they would continue to finance dealers in Texas and Louisiana.
If they are breaking month old contracts to existing creditworthy customers with a proven track record of servicing debt for 6.5 years, you can bet they certainly aren’t making new loans to qualified borrowers. The government’s plan to inject money to encourage lending is not achieving the desired results, quite the opposite.
My company has been in business for 6.5 years. In the last 3 years alone my company has collected $1, 500, 000 from consumers in sales tax for our government and community. We have sold over 5, 000 vehicles totaling $60, 000, 000 in that time frame (some deals we sold out of state and we paid other states sales tax).
Five month ago we employed 32 people, now we are down to just 10. Eighteen months ago we consolidated 2 locations in Tinton Falls relocated to a larger better equipped facility on Asbury Avenue. After massive renovations and $400, 000 later we resurrected the former Cadillac building into a new landmark in Monmouth County (once owned by the Rockefellers’ from the 1950’s).
We have enjoyed a 6.5 year relationship with Capital One Bank (through 3 bank mergers without interruption). Throughout our entire 6.5 years we had a very successful relationship together with a flawless track record of responsibility and on time payments. We have (and still maintain) perfect credit, both personally and professionally.
As an owner and creator, with tremendous pride and ethics, I have also been faced with many difficult “business decisions” over our 6.5 year history. That being said, I can respect and appreciate any “business decision” that a company makes if they feel it’s in their best interest.
The irresponsibility of Capital One, however, is not just unfair and unethical…..but their actions are severely damaging consumers and small business’ ability to borrow with complete disregard for the governments ‘bail out” plan.
If they wanted to end our relationship and get out of the “floor plan business” that’s their decision...I could accept it and move on. Conversely, I’d expect Capital One Bank, as a “hugely successful business” to honor their decision to renew my 1 year CSA (Credit and Security Agreement) that was signed on July 1, 2008.
When I was told by Capital One’s representative Rich Antanacii only a month after resigning a 1 year agreement I was “shocked” to say the least. At the time I didn’t fully appreciate the magnitude of his wrong doing. The CSA was not terminable at will. It can only be terminated upon the expiration of its term (i.e. on July 1, 2009) or upon the event of a default. Incredibly, Rich Antanacii unilaterally terminated the CSA by his letter dated August 14, 2008. This letter was not based upon a default; none existed for this to happen.
Stated bluntly, IT’S ABSURD AND ACTIONABLE!
In addition to Capital One’s wrongfully inducing me into signing the CSA on July 1, 2008, Capital One also forced me to close a floor plan line maintained separately with Manheim Financial Services. In doing so, only 13 months earlier reflects Capital One’s complete disregard for my company’s business interest. Manheim has since informed me that re-opening my account with them is no longer an option.
Needless to say finding another lender in the current environment is also impossible. The inability to secure another floor plan lender has had a devastating mental and financial impact on our company and if someone doesn’t step in immediately it will most likely result in Sports and Imports closing its doors with even more job loss.
To add injury to insult, I learned that on December 4, 2008 Capital One definitively announced that will acquire Chevy Chase Bank in MD. Under the agreement, Capital One will purchase Chevy Chase for $445 million in cash and 2.56 million Capital One shares.
So, Capital One gets $3.56 billion in bailout money and buys a bank for $520 million. Without looking at a financial statement or being an analyst I think it’s pretty clear one of two things are going on: either Capital One used our hard earned tax dollars to fund this acquisition or they used their own money in which case why would the government give them our money?
I don’t see any benefit to our economy; consolidation usually doesn’t create jobs it ends them.
After reading about the acquisition and being faced with an imminent collapse of my own company it became clear…it seems to be a pattern for Capital One. They intentionally are mis-leading the government (or at least the public) by borrowing money to fund an acquisition much like they mislead me in signing a 1 year agreement on July 1, 2008. By the admissions of Capital Ones own employees..past and present….I recently learned…contrary to what they had been telling, they had no intentions of staying in the floor plan business and haven’t for a very long time. Yet they signed a 1 year contract in July and canceled it a month later for no other reason other than a “business decision”.
One can’t help but wonder if it’s just coincidence that Capital One is Virginia based company and also able to get away with “company” murder?
I don’t understand how lending a hugely profitable and cash rich company $3.56 billion help our financial crisis when they turn around less than a month later and spend a huge chunk of it to buy another company that will most likely result in more job loss and certainly no job creation. The $3.56 billion cash infusion did not encourage them to start lending again what so ever. In fact, it accomplished just the opposite by giving them even more power to abuse.
Additionally, on December 17, 2008 NJ, Governor Jon S. Corzine signed legislation creating the New Jersey Main Street Business Assistance Program, the latest in a series of initiatives established under his Economic Assistance and Recovery Plan to help the citizens and businesses of the Garden State weather the national economic downturn. The program was designed to enable qualified small and mid-size firms and nonprofit organizations in New Jersey to access capital by providing State support for bank lending through loan participations and credit enhancements.
Developed in partnership with the departments of Banking and Insurance and Treasury and the state’s banking community, the Main Street Business Assistance Program will be funded by a $50-million State appropriation and administered by the New Jersey Economic Development Authority (EDA).
As soon as I read the news I called my representative at NJEDA to reiterate my need for help. As I learned from my conversations with them 3 months ago, loans still need to originate and be approved at one of the EDA’s 13 preferred lending institutions. Wouldn’t you know Capital One is a preferred lender? When I attempted to reach out to some of the preferred lenders, including Capital One, I was told the same thing I heard three months ago, “right now they aren’t doing anything”.
Capital One’s wrongful termination of our CSA should be enforced and they should be held liable for the damages they have caused. At the very least, someone should stop them from wrongfully and arbitrarily ending other creditworthy borrower relationships, while allowing Capital One’s CEO, Richard Fairbanks and his crew to walk away with hundreds of millions.
According to Fortune 500’s annual ranking for 2008, Capital One Financial is the seventh largest commercial bank in the U.S. and the 130th largest overall U.S. Corporation. (that was before their latest acquisition) A bank of that size, with the help of a $3.56 billion dollar infusion from the government, could do a lot of good. Unfortunately, no good has come of it.
One can’t help but wonder, what’s in Richard Fairbanks Wallet? Your family’s money? It seems Richard Fairbanks and his “army” thinks they can take what they want, when they want, from whomever they want without consequence. Maybe that’s why Fairbanks has been in the top 5 the highest compensated CEO’s for the last 5 years earning over half of a BILLION DOLLARS!
I believe in “free markets” too which is why I went in business for myself. However, unlike Capital One, I honor my commitments and obligations. Does earning a multi-million dollar a year paycheck require taking advantage of the very people that helped get you there just because you can?
Having said that, I am smart enough to know I don’t stand a chance against them in court, and I sincerely hope someone else’s intervention might. In the mean time, I stand defenseless against Capital One’s soldiers as their lies and games force me to default and ruin my reputation and credit (780 fico).
I have spent the last 6.5 years building….working day and night and day….sacrificing valuable time that could have been spent with my wife and son. I will not rollover and let them hurt others without, at least, attempting to seek justice.
Feel free to take a look at my site for a better appreciation of just how passionate we are about our business www.sportsandimports.us .
Regards,
Adam Berlin
Sports and Imports
1715 Asbury Avenue
Asbury Park, NJ 07712
[protected] P
|||M POWER
www.sportsandimports.us
www.ibuysi.com
About Capital One
Capital One's mission is to help people succeed by providing innovative financial solutions and exceptional customer service. The company offers a variety of credit cards, including cash back, travel rewards, and business cards, as well as personal and business loans, auto loans, and home loans. Additionally, Capital One provides online banking services, mobile banking apps, and investment products.
One of the key features of Capital One's products and services is their focus on simplicity and transparency. The company strives to make banking easy and accessible for everyone, with clear terms and conditions and no hidden fees. Capital One also offers a range of tools and resources to help customers manage their finances, including budgeting tools, credit monitoring, and financial education resources.
In addition to its commitment to customer service, Capital One is also known for its innovative use of technology. The company has invested heavily in digital banking solutions, including mobile apps and online banking platforms, to make banking more convenient and accessible for customers. Capital One has also been a leader in using data analytics and machine learning to improve its products and services, providing personalized recommendations and insights to help customers make better financial decisions.
Overall, Capital One is a trusted and reliable financial services provider that offers a wide range of products and services to meet the needs of consumers, small businesses, and commercial clients. With its focus on simplicity, transparency, and innovation, Capital One is well-positioned to continue to grow and succeed in the years ahead.
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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.
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.
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Overview of Capital One complaint handling
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Capital One emailscapitalone@capitalone.com100%Confidence score: 100%Supportdavid.musial@capitalone.com94%Confidence score: 94%julia.greco@capitalone.com94%Confidence score: 94%caroline.finnell@capitalone.com94%Confidence score: 94%fabrice.guillaume@capitalone.com94%Confidence score: 94%Managementdamon.reed@capitalone.com94%Confidence score: 94%Executivekevin.michel@capitalone.com94%Confidence score: 94%james.partridge@capitalone.com94%Confidence score: 94%Executive
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Capital One headquarters15000 Capital One Dr., Richmond, Virginia, VA23238, United States
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unfair interest practiceRecent comments about Capital One company
On approximately October 7, 2020, I received an email from my credit issuer, Capital One, informing me that my card hadOur Commitment
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Actually if your balance was 0.00 then payment protection wouldn't of charged you, they only charge if you have a balance on the card.