Capital One
reviews and complaints

Capital One has a credit bureau disputes division, it sounds like human error occurred at C1 and your original cancellation was not completed. I advise everyone who closes an account to double check twice because paperwork can take two months and interest charges take 60 days to completely cycle. You can also dispute the report directly with the credit bureaus (the will send forms to be completed), the debt is so old it should not be there anyway. It also should have a small effect on your score so you may have other issues so I would recommend brushing up on everything that is on your credit reports. It is too bad you did not call the free international number for Cap one when you were back in Mexico but I guess you did not have access to Google in the town you were at.

btw, customer service reps are people. Yelling or getting angry gets them flustered and causes them to make mistakes. When you call Cap one to request a credit bureau dispute the first agent you speak to may not have experienced that request as they are rare. If they have trouble assisting you just politely ask to be transfered to a supervisor. And be patient, the people who handle rare problems usually have long hold times because they have to take more detailed notes etc so if you are next in line you may have a lengthy hold time.
Hopefully this helps.

I have recieved the same type of emails over the last 24 hours. You should forward that email to abuse@capitalone.com and they will investigate the issue.

Hope this helps.
Dave

I had a CapitalOne credit card in London - after two years of exorbitant interest charges and spiraling costs, I finally managed to pay off the balance and sent them the final cheque with a letter instructing them to immediately cancel my account. Two weeks later I moved house, and a year later moved again.

Six months after THAT, I received a year's worth of mail from my ex-flatmate, stating that he was returning to Australia and would no longer deal with my debts... I thought, "what?" - got my mail, realized CreditOne were chasing me for ~ GBP#290. I rang them to query, and they explained that - despite me "closing" the account - they had continued to honor the monthly payments I had authorized another company to take from that card. Despite having also canceled that authority, which was a whole other problem. SO I had 18 months of monthly charges plus 18 months of late payment fees and overlimit fees, as well as 30% interest charges.

I explained again that I had closed the account and refused to pay the additional charges - they asked me for my current address, "just so they could keep in touch", and again I refused, as I was no longer a current customer of theirs and had no responsibility to provide them with my details. It took 6 weeks of weekly phone calls for them to accept that I would not be paying the charges they had issued since I had officially canceled the account (luckily I had a dated copy of that letter).

Even in desperation I would never ever apply for a card or any other credit with them again.

In December I called a TV advertisement to plan a purchase of a U-2 Mop. The telephone operator immediately wanted my personal information as well as credit card number. (I will never be that stupid again to give out my number first). After answering her questions about the products I was interested in, ( as well as many more additional items that she wanted to add) I asked the total charges and was overwhelmed by the total as well as exorbitant handling and shipping charges. Also she said it would take 4 to 6 weeks. I told her I was no longer interested to please cancel that order. I did not want the mop. She said 'okay'.

One month later I received the mop anyway. I immediately called the company and was told I would have to e-mail someone. I did but apparently the e-mail address was a bogus one because the e-mail was never opened by anyone at the other end. I was told there was no one I could speak to on the phone.

I then opened my credit card statement and the charge had been put on the same day I talked with the telephone operator. She entered the charge anyway without my authorization!.

I called Capital One to see what could be done. The young man I spoke with immediately began lecturing me about how foolish I was to even deal with a TV Advertisement. He explained that was the reason brick and mortar stores do not sell these products so they will not be victims to people like these. He explained the stupidity of believing that your 'taped converstations' would help because of course they are lost or possibly never made or accidentally erased.

I asked if these charges could be stopped since they were to be in 3 payments. He said no there was nothing I could do except possibly ship it back for another charge. I asked to speak with someone else at Capitol One and he said "No, it wouldn't do any good!" I told him I would call back myself to speak with someone else and he sarcastically said "Okay, we'll be waiting for you!"

I called back and spoke with a woman who said she would add to my report that the young man had taken that "I specifically told the U-2 Mop operator to cancel the order before it was ever authorized". However, at that time I should not return it for another charge or do anything until I heard from Capital One. She told me I would receive a letter within 25 days on what to do.

I have heard nothing from Capital One. I have received another statement from them with another charge! They did not block the charge or send me a letter or follow up in any way.. I AM AT A LOSS AS TO WHAT TO DO! I'm assuming there is no way to fight this because I researched on the internet and found this TV Company(that sells products like these) owns several TV Channels..How unfortunate for the American Public.

I also have now seen this mop advertised in other mail-order catalogs for a fraction of the handling and shipping charges. To make matters worse:

STUPID ME; I gave in yesterday and opened the mop since it undoubtedly is mine with no recourse. OF COURSE IT DOES NOT WORK AND DO THE THINGS ADVERTISED!

Now I pray that powerful comanies like Capital One and these companies who own TV Channels will somehow be brought low by our public being informed and enlightened!

I had a vendor charge my account and forged my name to credit card receipts. I disputed the charge and Capital One took it off. When the vendor complained and said I agreed to a charge of over $1000, (I had already paid my balance with them of almost $1500) Capital One put it back on my account saying it was MY FAULT I didn't get this conversation in writing! Further, if I wanted to pursue remedy, I would need to do it outside of Capital One! I am in the Midwest and the vendor in California! I guess if you are looking to get away with fraud and you have a credit card machine...keep you eyes open for a Capital One card...you can get away with a Class A Felony!

I joined the Marine Corps in January of 2009. Prior to going I called Capital One to see if they had a program for service members to put a hold on payments while they do not have access to banking. I was told that they did and my account would be put into it. I asked to clarify if this meant I would owe the same amount of money when I got out of Boot Camp that I currently owed. They said that I was correct in my understanding. I got out of Boot Camp to a bill hundreds of dollars higher. I called and asked them to clear up the problem. After multiple calls and hours dealing with their mistake on my ten days of leave before going to my Combat Training, where I would again be without banking, I finally got them to agree to credit my account the amount that charged in Boot Camp, because I offered to pay the full amount owed the day I left for Boot Camp. When I got out of Marine Combat Training and into my job school, they had only credited $100.00 of the unauthorized charges and charged even more on me not paying the uncredited amount. I called them almost daily and talked for hours trying to fix this, not to mention the 2am-4am calls from their collections department that lead to me explaining and reexplaining my situation. Capital One lies to our service members and cheats them out of money when they are training to defend our country. They are irresponsible and will not own up to their mistake. Eventually, I will be getting out of the Marine Corps and will need my credit score to reflect my financial stability so that I can get a lower interest rate on the home I am planning on purchasing. Capital One is slowing this goal and I hope that everyone that joins the internet "support the troops" groups or has a sticker on their car actually DOES support the troops and not the financial institution that takes advantage of them and their sacrifices.

I used to really like this credit card but now I find they make it impossible to get on their website to pay your account and then you pay the same day and they put the payment in a day later and charge you $35.00 past due fee when you actually pay on time. I also pay very well. I pay my balance in full without incurring finance fees. Just two months ago I purchased extra miles from Volkswagon for my son and he is paying it to me in payments so that balance we are paying off. Once my account is paid in full, I will cancel their credit card. I think they should be investigated for their dirty methods that they do to their customers. They are con artists and scanners. I will be cancelling it as soon as possible

Beware of Capital one merchant account
Simply put, the employees who are assigned to facilitate the merchant account are double agents in disguise. Once your account is set up, they would literally share your account information with companies you never held of without your permission. Consequently, these companies will continue to access and withdraw money from your account every month. My friend owns a Boutique in Dallas Texas and she had been a victim of the fraudulent act of Capital one. At a glance you may be tempted to conclude that the following names are reputable companies, however, they have conspired with Capital one to defraud my friend. They include AMERICAN EXPRESS COLLECTION, DISCOVER NETWORK SETTLEMENT AND CAPITAL ONE MRCH MERCH, etc. Please pay close attention to the names and do not imply that the names are affiliated with credit card companies, i.e. American express or discover card, etc. When confronted, Capital one never apologize, instead, they asked the following questions, 1) why did it takes so long for my friend to bring it to their attention, and 2) why did my friend failed to catch it the first time? Nevertheless, the money is yet to be posted into my friend’s account.

Robert, do you know what your due date was? If the payment was made after your due date then your account would have automatically assessed fees. You see Finance charges are applied to your account daily and there are maintenance fees, so as long as there is a balance of the account then the account will assess Finance Charges. Hope this helps!

I have had the same issue without an explanation. I called, spoke with a manager, demanded the removal of the finance charges, and they were removed. No idea why, but it was successful for reimbursement of the charges. Hope this helps.

I have had an auto loan with this company for the last 3.5 years and its awful what mistakes they have made that have cost me hundreds.. They continuously take out more than one payment due leading me to obviously overdraft in my bank account and then when i call..Guess what ? I cant even understand what the person on the other line is saying because there call center is not even in the U.S. They will refuse to return me my money and state to contact my bank to file a dispute so i can get my money back or that they will just post it to my principle..Please don't sign up with this company they will do what they can and promise you so much but once you sign up they don't care about you. I am going to refinance my car just so i can get rid of this bank!

duh... your through to the collections dept not customer's service! COLLECTIONs it means it is more on collecting. think abt it..

I'm an indian working for capital one customer relations in Bangalore. Whenever u guys call ur call reaches us in India. You guys think we r stealing our jobs. But its ur american owners who are giving us jobs... I completely agree with u guys. CapOne steals money. It has increased interest rates for most of its customers. The reason given is economy. Thats ###. The late n overlimit fee charges are $39 which is ridiculous. Their payment protection program is designed to squeeze money out of u guys. I'm sick of this company. I'm hunting for a new job. If u guys have any questions email me at ajay_1r@yahoo.co.in
By the way if there's a guy called Alex answering ur call when u call CapOne its me!

I totally agree. I just recently got a Capital One card, and after reading all the complaints I quickly cancelled my card. When I called I couldn't even understand the person I was talking to, I asked if they could transfer me to someone who spoke clear English, that was a waste of time, because everybody I talked to I could not understand! So glad I decided to look up some information about Capitol One before I got stuck with this card for too long. Im gonna quickly pay off my balance, and hopefully never hear from this card company again!

I requested a pay off amount from Capital One in December, then sent a check for the pay off amount. They quoted me a wrong pay off amount which was one month short, so we mailed in the last payment (again). Come January, we never received anymore statements. We assumed we paid off the loan, but we thought we should call 1 more time because they are sooo incompetent. Once again, they said we owned $117.53 left, and now we are 5 days late. I spoke with Miles, and he apologized and said they were late sending out statements and alot of people did not receive them. But don't worry, we do not report late payments to the credit burreau until you are 30 days late (even if it is their fault). So I said I am not hanging up until I pay off this loan. So I did a payoff over the phone with a check. He assured me I was now paid off. A week later I get another letter from Capital One now saying now I owe $122.68 this is dated a day before I made my $117.53 last payoff. Of course this does not balance. I then call Capital Ones Voice Jail and finally reach a representative and ask them what I show as a balance - it should be zero. He now states it is $34.31 which is the interest and late fee which has accrued. Will somebody PLEASE shoot me?! I now speak with Sonny, and try to explain what has happened. He now assures me that he will "put in a request" to have this zero'd out and I will owe nothing, and I should check back in about 15 - 20 days. You have to be kidding me !? I will bet my next 2 paychecks, that this will NOT be resolved, and this will escalated to more late fees and then collections, and there is nothing I can do. All I want to do is pay off my #$#@^%$ loan? What has happened to corporate America today? I am ashamed to be an American, and my ancesters came over from the Mayflower. If I had the opportunity to leave...I would. I'm sick of this Country. Corporations steal from you, and our Government doesn't lift a finger to help out the average hardworking guy. Yes I am pissed. To no end. There should be a law against incompetent stupidity and file a class action suit against this Capital One for being the biggest abuser.

I am going thru the same thing. I paid them in full 12/08 then get a bill 1/09 showing interest for the month of 12/08 I called and was told I needed to pay this bill even though they got my payment before the due date. I talked to a supervisor because now it's 2 days before this due date. Told just make the $12.66 and they would zero it out. Yesterday I got a bill with a membership fee of $59.00 a late fee of $15.00 and an insurance charge of $.66. When I called some lady who did not talk english very well told me I needed to pay late and insurance - ? the bill show my payment what am i paying insurance on and i haven't used this card in a year. OMG i am so over it. I am contacting the TV station here they would love to deal with this.

I understand! My wife go through the same thing at Capital One Call Center in Irving TX...

Unfortunately banks are just unethical. That's just the way they are. What are everyday sheep supposed to do about it? The government is every bit as much unethical. What are we going to do? Have a revolution and replace Capitalism with Communism. Nope that doesn't work either. I'm sure your family member is a good person at heart however really all she is doing is supporting a twisted system by working in it in the first place. It is sad this is true but in fact she is responsible too. She is responsible for supporting a twisted organisation. Really what she should be doing is taking her time to find another more ethical institution to work for. All the best to you and your family member... I mean it... I'm sure she's nice but she's got to take responsibility for her own welfare as no one else will do it. She is being used and at the same time she is contributing to her and societies's misuse. Her spirit is crushed because the system isn't spiritual. Time for her to move on.

;)

North Fork Bank customer service sucks!

I now understand why it sucks.

If you want a credit card company that stands behind a fraudulent charge, don't apply for Capital One Visa. I just paid out $1500.00 for an item I purchased on the internet that was ordered, but not available. Although I called Capital One to dispute the charge and they told me I wouldn't be responsible, the company eventually did issue a credit, but not until the charge went into the next billing cycle. After talking to Capital One again, they told me I had to pay the $1500.00, even though it was credited, or they would sock me with finance charges. Bottom line...the internet company used my money for one month; and Capital One had it for another month. I closed my card and went with American Express.

Am a long time user of Capital One as well as many other Major cards, but never ever seen a CC company so disorganized.

I received a renewal card from capital One without asking for one (since I had another 2 months left for expiration of my existing card) with a sticker and a 1-800 # to call to activate it.

Upon calling, I was shunted three (3) times after being asked the same olkd question..first name, Last name and the usual other crap, only to land with a Guy called Sam (Am sure was from own Home coutry, INDIA !).
AND GUESS WHAT I WAS TOLD, SIR, ONE HAS TO WAIT FOR 15 DAYS TO ACTIVATE THE CARD..

My point is then why the hell they do not say so on the letter they attach to the renewal card..

I sent an e mail to customer swervice regarding the same, and guess what i got back again:

"Dear Trevor, due to the status of your account, we cannot e- mail details"

Capital One should cut that BS, which I am sure is that they do not want this on records..

what a bunch of crappy credit card companies. the onlycompany I never had an issue of any sort amongst 8-9 of my CC issuers, has been AMEX ! BOA was Ok untill last 3 years, when I noticed their Foxy tricks on change of terms, which in any case did not affect me too much as I always paid off all my balances on all cards.

Capital One must be one of the top poor customer service companies in America. I tried getting transferred
to different departments, in hopes of finding someone more knowledgeable, kinder, friendlier, more professional,
but Capital One does not have anyone in their Customer Service department that will work with customers in need.
What a poor experience I have had with ALL of my dealings with them. I stay with them because they are one of the few
credit card companies out there for poorer credit.

CAPITAL ONE must be a genius at hiring the rudest, most condescending customer service reps in the world. Especially the ones that they outsource from India. They are arrogant and don't give a ### about your problems with THEIR credit card.

CAPITAL ONE must be the greediest, ### credit company around!
They obviously don't care because they have plenty of customers. Beware, CAPITAL ONE, your days are over! Before you know it, you will be bankrupt just like those a-holes at Wall Street!

CAPITAL ONE------- that is Karma for you!

Capital One is absolutely the worst company ever! The customer service, if you can call it that, is absolutely horrid. But if you think their credit card services are bad, it's nothing compared to the clowns they've got working in their auto finance department. They have absolutely no idea what they are doing; they lose vital customer documents, don't keep accurate records of correspondences with customers, and their internal communication is abysmal. And should you as a customer ever call to complain to a manager, they will decidedly refuse to put you on the phone with one; instead they will tell you that a manager will call you back and if you insist, they will hang up on you!
UNDOUBTEDLY THE WORST COMPANY EVER!

I totaly agree Capital One has they worst customer service love the scripts they read from and you are right they do not care. Three people I talked to admited to not even having there own companies card what does that tell you?

They raise the interest rate on there best customers, cut their credit limits all with no notification of doing this but they claim they have start reading the posts on all of these complaint sites almost everyone says they were not notified of the rate increase nor that they were slashing limits on top of this.

What happened to all of the bail out money we are paying for for this company? This is how they treat their good loyal customers, wow what a way to do business.

I know the economy is bad, do they think they are the only ones suffering wow how selfish is that we are all suffering the difference is some of us work for companies that put things in place so it would not affect the consumer. Quite a difference here, as far as I can tell they have done nothing but screw the consumer again what a way to do business.

I could not agree more. I have tried to pay my balance off on my Captial One card for two months. Each month I get a bill for more charges. When I called, I asked for the payoff balance and they tell me what it is. When I pay that amount they send a bill next month for interest charges that accrued since I paid it off...? They must pull this figure out of thin air? Once you are in with Capital One, you can't get out!

Capital One raised my Intrest rate on my credit card from 6.28 to 15.9 without giving me any kind of notice. I have never been late on a payment, I have always paid more than the minium amount. When I get this paid off I will never do bussines with these again.

Getting billed on my capital one credit card as listed below:
2 22jun ap9passporttofun [protected] ct $11.95
Do not know what this bill is for. Please advise.

I am being harassed by Capital One. They call me every half hour regarding bills my daughter has allegedly incurred. They have her number but continue to harass me. What can I do?

i was terminated at my job since june 2009 and i call capital one to activate my payement protection plan what they failed to do, and today my credit card of $500 its up to 800 balanced due.

I applied for a Capital One credit card and when I received it, the first thing I did was read the enclosed agreement. Unfortunately, the terms were so ridiculous, I cut up the card, called Capital One and informed them that I would not be activating the card nor using the card as I had just destroyed the card and I would appreciate closing the account permanently. Unfortunately for many people, they don't bother to read anything, they just accept the terms, activate the card and go about using it until they discover the costs and by then its too late for some as Capital One has them on their hook, line and sinker. Next time, read and heed before you bleed.

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!

Just so you know, Capital One got a taxpayer bailout of the sum of 3.56 billion and according to the Huffington Post, their CEO was paid 9.75 million for his yearly salary. On top of it all, they are now using customer service reps from India because they don't want to pay any American any money to work in America. Isn't it great to know where your taxpayer money is going?

Don't forget to serve them with cease and desist letters under the fair debt collection act to stop phone calls.
List your acct # DOB and last 4 of your social along with your address, and research google for samples of cease and desist letters.
Their fax # is [protected]

Been a customer for 5 yrs, always paid my bill on time and over required amount.. They have raised my interest from 8.53 to 17.90. I did call and ask why, they said they had sent a letter out (which I did not receive) and they could not lower the interest rate...I will be transferring my balance.. I can't believe they are treating their excellent customers like this in a time of finicial difficulties.

First, call the number on your statement that's listed after the charge itself. (Capital One will tell you to do this and call them back if you don't do it before calling them.)

Then speak with whoever answers the phone on the other end and tell them that you did not authorize that payment and you want your money back. Most times, they're going to tell you that it's with XXX company and you agreed on XXX date to sign up for whatever service. Ask again for your money back and again tell them that you do not want the service that you're being billed for.

If that fails (happens a lot), call Capital One and hit either 0 or 1 to speak directly with your "Account Manager". They're going to try to help you and get you to do stuff with your account... Just be persistant and keep asking to speak with the dispute department. I tell you to go to the customer service first, because otherwise you'll get stuck in a vast maze of automated phone menu's. Also, call between the hours of like 10 - 2pm your time so that you make it within the business hours of the department you want to speak with.

Once you finally get through to them, let them know that it's an unauthorized charge and youv'e already contacted the company to tell them to stop putting it on your card. Capital One takes it from there and fights the charge on your behalf. (That's about the only good thing I can say about them)

Good luck.

We received an email (!) from Bank of America announcing that our mortgage had been transferred to Capital One. We contacted Capital One and asked for information on this and were promised a welcome packet. Which never arrived. Now we're getting phone calls telling us that our November payment has not been received and asking us to provide payment info on the phone. We don't even have an account number! And we're not going to hand over personal info to someone calling us. We asked for a number to call back. It does NOT match the contact number on the Capital One website, but we thought we could get them to send the welcome packet. They would not do so until we provided the personal information! And became extremely rude from the moment we reached them. We tried to call the number on the website, and they pushed us through all kinds of phone menus, finally stymied when we were asked to enter our credit card number (we don't HAVE a credit card with Capital One.) If this isn't emblematic of what's wrong with banking in America, I don't know what is.

I am receiving numerous calls every day from Capital One Auto Finance since June, 2010. They call my home beginning around 8:00 a.m. until late in the evening. They are looking for a person who I've never heard of and who does not live at my home. The person they are looking for has the same last name as I do, which is a very common last name, as common as Smith or Jones. I've told them several times that the person they are looking for does not live here so take my phone number off of their list. Of course, they continue to call! I've never had an account with Capital One or Capital One Auto Finance (and I never will)! What's ridiculous is that they are never going to get a dime from the person they are looking for because they are not calling him, they are calling me, and they are certainly not going to get a dime from me!

Capital one used fake marketing schemes to apply for credit card .
while talking to one of the agent, he assured me the card is 0% on everything for 12 months
i even asked him to check it and he gave me the link and encouraged me to apply for it . I got the card in the mail and called them to make a balance transfer and they told me it is not 0% on the balance transfer .
They use false techniques to make people attracted towards their card, and make people apply for it and once after the account is created they say differernt things .

My wife & I have a Capital One Visa and a Mastercard. We have had these cards for a long time. I make our payments online and am NEVER late. I also pay at least 3 to 4 times the minimal payment amount. We just received notification that Capital One is raising our APR by over 4%. This is absolutely ridiculous. Because of the current state of our economy, I could maybe understand a raise of 1%. It seems to me that they are trying to make up their losses by ripping off the people that pay their bills on time! I was told that if I didn't agree with the change, they would simply cancel my cards! I also believe that because of the changes in laws to control credit card companies that are supposed to be coming, they are getting their gouging in early. I doubt that the new laws will be retro-active and they won't have to reduce the APR.

This is one credit card that is the biggest rip-off of the American public...I guess that's how they can afford to air all those commercials on television. I paid off the balance on my credit card and was still charged $76.00 more for interest. THIS IS ONE CARD I WILL NEVER HAVE AGAIN...They are nothing but thieves. Oh yeah, one more thing...if you ever have to talk to them via phone...you can just about make out their english...WHAT DOES THAT TELL YA ?

made payment from ameriquest morgage co of california to capitol one they cut the check and send it direct to them capitol one mortaged my house back in 90 to pay all bills over 10, 000 worth they ameriquest wrote all checks out payable to all diffirent companys inc capitol one and mailed them direct to them in there name check with ameriquest for all details about full payment frank majewski bx 137 ft hunter ny 12069 acc no52910713611009323 prplroz3@gmail.com thank you

I still have my papers for when I started my account with Capital One "No Hassel" credit card in October 2003. I signed up for a fixed rate of 4.99% for the life of the card. I started looking closer to my statements this month and noticed that the rate was 9.90%. I called customer service and got this spill about them sending out a notice in February of this month regarding this matter. They said they never got a response from me, so they went ahead and discontinued the 4.99% rate and started the 9.90% rate. I told them that I would have been stupid not to respond to something like that in order to keep my fixed rate of 4.99%. The would not refund me any of my interest over the last 6-7 months where they charged me 9.90%. I did not think they could do this without my written signed consent or something. I am livid and very upset. I will never use Capital One again. Is there anything that I can do? They should not be able to do this to any customer. Especially when we have proof from the papers that I have stating 4.99% fixed rate. They should be made to keep this agreement. They sure would expect me to keep an agreement.

Thank you,
Marty E. Ault

I had cancelled my card back in 2010 once it was paid off. They never cancelled and then proceeded to charge an annual fee along with monthly late charges. I have asked over and over again for transaction details being account is closed not able to pull of line and there is not one person at that company that will provide me with this. Now... they are garnishing my wages weekly in the amount of $141.00. Over $1500 in annual fees and late charges. I am not able to get anywhere with their customer service team and extremely rude every time i have contacted. Next step... Attorney Generals Office to file a consumer complaint. I have heard of them doing this to many people i know personally. Sad Sad Sad company!

i have written and called about me accountsthe poeple are not very helpful and they do not care. I have canceled both of my cards I have sent them back, they were not actived amd they are adding charges to my account every month that i do not owe. they are charing a over the limit fee which they are causeing how can they do . I have not use these accounts for three years. I have paid anywhere from 50 to 75 dollars every month please can you help me as I am 69 and retired. iam paying this bill every month and getting nowhere

Consumer beware...Capital one loan and credit card, started as a low interest rate and very good company to borrow money from.(At least I thought).
It started when I went on Vacation and I was blocked from using my Capital One, credit card.I was never over the limit and always paid triple on the account.
Out of no where, the interest rate was double ...I paid the balance off quickly, only to find out they wanted back interest.The interest had gone from 9.65 to 26.6%.
This company is not rational and should have been regulated, to stop practices like this.
I called and told them to take the card and cancel it and I also found to my surprize, a better interest rate with my Bank on a loan.
The consumer needs protection and should be protected from outragous companies, like this.
Just beware of Capital One.I'm sure we will be reading a lot about them.
Can anyone tell me if Capital One is American based company and why the Government doesn't step in and get control of businesses, that tries to rip the consumer off?
I haven't figured out why a business like Capital One, would want to run away, someone in good standing...

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.

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.

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.

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.

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.