Capital One
reviews and complaints

These theives are finally taking me to court, where I plan to counter-sue

I too am having trouble with Capital One's deceptive credit practices, mostly the protection plan and interest hikes... please e-mail me at "ww_arabians_brenda@yahoo.com" with your address to discuss

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!

Months after closing an account because Capital One refused to deal with a fraudulent item and being assured the account was closed and paid in full, I am still getting letters and phone calls. I have made it clear my account is closed.

Phone calls come at all times of the day and all days (Sundays too) of the week. They have threatened to mare my credit rating. I have responded in writing and made it abundantly clear I will not pay for a fraudulent charge.

Give that the original charge was under $100 and that they have spent much more than that in time to harass me and lost a good customer (I typically charged $1, 000 or more per month on the CO card), I’d say they have a flawed business model.

I have had a Capital One Card since 1999 and usually if not always paid my bills in full every month. Here in San Diego County we had a fire and many including my self had to be evacuated for several days. Some how, I misplaced or did not receive my credit card bill and did not pay it on time. The following Month I paid the full amount due and an abusive late charge. That was not the end, recently I made a large purchase thinking I would pay it off over time at the 8% or 9% rate I had with Capital One but found my rate had been adjusted to 27.15%, I also have a blemish on my credit report. I did call them and they offered to reduce the rate to 12% but I still find that abusive. If my company did business the way Capital One does, we would not be in business long.

Capital One No hassle Miles Card changed the terms of their earnings reward program with little communication. They halved the earnings previously earned for cash rewards rather than on a go forward basis that resulted in lost cash earnings.

I was with Capitalone for A long time. I never was late on payments, I never paid half a bill. My bills ranged from, $280.00/down..I paid in full. Someone from capitalone made an error, and cancelled my account. When I discovered, I could not access my card, I called. They said, "once the account has been cancelled, It cannot be re-opened. I have to file another application. They owe me, $32.00 and some change.And said I must wait two months for my refund. I asked three agents for their corporate number.They said they don't have a corporate number! 7202 N. MO; PAC Expy, Austin, Tx;[protected] Corporate./// Or-- Bureau Of Consumer Protection Office.Nevada Attorney General..555 E. washington Street.Suite 3900. Las Vegas, Nevada;[protected] E-mail-BCPINFO@ag.state.nv.us

Record the conversations. In your state, you may not have to tell them you are recording it, but do so anyway. Then take them to small claims court and have a field day!

Keep us posted on your story.

Tom

Unfortunately, your situation is not uncommon. Things seem to always fall through the cracks with the complexity of the data and process integration that comes with large-scale mergers like this one. Capital One Auto Finance is one of the largest auto finance companies out there but if you are not satisfied you should consider refinancing your auto loan with another financial institution. Unlike home loan refinancing, refinancing your auto loan can be a fast and simple process that you can do entirely online. Do a Google search for 'auto refinancing' and you'll see a number of companies who can help you with that. Good luck.

Yip! Incompetent to say the least or I hope that is what is is VS just being crooks. I just purchased a slightly used 2018 GMC . We put 5000. down and was given 17K for my truck. We really did not care who we were financed with since we would be sending in 20K to pay it off within a month. We sent the check to Capitol one and they said they cant find it, meanwhile they are charging us daily per/diem. Thankfully the check was not cashed and we stop paid it. I have been on the phone daily with these people from India who cannot understand anything you ask them. I am sending another check and if it goes sideways I am going to contact the atty general for assistance with potentially a class action suite for the bad business practices and potential fraud

I also had a bad experience. They are crooks, they make believe that you are pre-approved, and they even send and email to you confirming the approval. Then I notice that on the approval contract they type the wrong name of the cosigner, they used your first name as both cosigner and primary. Then they ask you to call them, and when you call them, they say that you filled out the application wrong and that they need you to fax your cosigner social security. I fax it, and call them, they confirmed receiving fax, but told me the application was still under review. The I thought, why is going to be under review if they pre-approved it? After reading all the reviews on this site, I decided to call again to cancel my application, enter my reference number on the phone, and to my surprise the had my application in status" we can not continue your application". Then when I spoke to customer service, I just told them I was calling to cancel my application, and it is like they already expected my call, like they know this happens all the time, mislead customers telling them that they are pre-approved just to see how they can screw-you them up. Thanks God, this was a refinance, I am still good with present lender. I told them about all the bad reviews they have, and they are like they don't care. Watch out, be careful.

Gosh after reading all these complaints I don't know if I should even bother with them and just go thur the dealerships financing . I have also been pre approved for 23.00 for a car. But I will only be financing about 8.500 wonder if they will give me a hard time. I have a credit card with them never been late. My credit is not all that good right now due to the fact lots of medical bills due to a illness when I had no health insurance. I knew this was to easy to good to be true.

Wow! I wish I would have found all of these complaints before Capital One took us for a ride too! We were approved for up to $21, 600 on a used auto loan. We submitted all of the necessary information and I was told that the initial application was submitted incorrectly, so I needed to shred the 1st blank check I received and fill out a new application correctly. I was hesitant, but went ahead and did what they said. I called to check the status and they said that I had filled the application out incorrectly and needed to fill out a 3rd one. After getting off the phone, I called back to find out exactly how they wanted me to fill it out so that there were no more hang ups, because we already had a car on hold for us, just pending the check. After reviewing, the representative said that she saw nothing wrong with the application and she would make sure it was processed. After submitting my DL and our bank statements, the only other document we needed to send it was my husband's DL. Since our fax was down and they no longer gave me the option of scanning/uploading it, we had to send that in the next day. I called to make sure everything else was in order and the lady told me that they had received everything that they needed and that once his ID was sent it, it could be finalized. I told her we had a car on hold and asked if there was even a small chance that the loan could be denied after we had made it this far because we didn't want to leave the salesman hanging because he had been so helpful thus far. She said "oh no ma'am, I've never heard of that happening! The only change that might happen is that you may end up approved for more money" Since we only needed $13, 000 and were approved for $21, 600, I wasn't concerned. After faxing the final document, we put a rush review on it. I called 2 separate times to verify that everything was where it needed to be and was assured both times that everything was good. I was told once it's completed, I would get an email letting me know. I waited all afternoon -- no phone calls and no emails, so I checked the status online and it said "After carefully reviewing your information, we are unable to approve your application at this time. We will mail you a letter within 7-10 business days that explains the reason for our decision." and basically not to call because no one will be able to tell me any reason as to why. I was so frustrated, angry and disappointed -- now, I'm just shocked at what common practice this apparently is for them. Shame on them for being so deceptive and stringing people along -- thank goodness we didn't go ahead and take the car in good faith, like the salesman had offered!

I'm in the same situation. I have an auto loan through them I got a couple years back, so I naturally decided to apply through then again this time around. I was approved and sent the check. I went last week and got the car, but then today, a week later, I'm told that they are not honoring the check. WHAT?! I've had the car a week already, my credit is even better than it was the last loan, and I've never been late. I've been a Capital One customer for years, but I'm closing all my account tomorrow ( I know it wont actually affect them, but I can't consciously stay with a business with such shady practices!

I applied for an auto finance loan on a Friday. I was approved right away, they showed me the terms and APR rate and everything. I received my blank check and loan terms in the mail on Tuesday. I went to the dealer and picked out a car and then when I contacted capital one with questions to make sure I fill out the check correctly I'm told I am in fact no longer approved! "Please shred the check" and that was the end of it! They refused to talk to me about the situation and said I'll receive a letter. Very shady and misleading. I'm contacting a lawyer this week.

My experience with Capitol One was unacceptable. When the email was received soliciting the Auto “Blank Check” program, I became interested. I responded by completing the initial application. The following email stated that it had been approved. The email further stated that I needed to forward two items. The first, a copy of identification, and the other proof of salary. I faxed this information to Capitol One that same day. I followed up with a call to Capitol One to confirm they had received everything. They did validate all items were received. On October 31, 2012 the “Blank Check” had been sent with a limit of $13, 200.00. On November 2, 2012, I received the “Blank Check” in the mail. The packet contained the loan contract and a credit report “Snapshot”. Based on the path of emails, telephone conversations and the receipt of the actual check, I was lead to believe I would be able to shop for a new vehicle. TWO WEEKS later, I get a call from Capitol One stating they need additional information I returned the call just to be told that they were not able to verify my salary. I asked what method they used. I said that they had received three months of payroll confirming my yearly salary. They said they had called my employer and were off by 230.00 per week. I went to my HR department and verified through phone logs that no call had been made from Capitol One. They had willingly lied to me. I asked them to please tell me who they verified it with or the number they called, and this could not be provided. I was than told that my debt to income ratio was too high. How could they make that determination if they could not “verify” salary? This is a bait and switch practice where you are lured in by a deceptive promise. Why would they feel the need to send a “ “Blank Check” that you could use (up to a defined limit of course) just to be told 2 weeks later that they have found reasons to no longer keep the offer they had originally made. Because of this, I feel it necessary to file complaints with my states banking department as well as consider additional options to warn the consumer about this scam. I will never do business with Capitol One and I will always make sure I do my best to prevent anyone else from making the same mistake.

TO WHOM IT MAY CONCERN:
RE: Nightmare with Capital One Auto Finance Company
RE: Kia Sorento
RE: Larceny of vehicle payments by Capital One Auto Finance Company

My car finance company reposed my car Friday, April 8, 2011 under the explanation of lack of car payment. The local branch reviewed my account and found that every payment has been made. They have processed every payment and applied it to an account…..(probably my husbands---but they don’t care to hear it). They still refuse to acknowledge that one penny came from my bank at all. They don’t have the reasoning skills to look at the history and process what could be the problem…. ….one lady said they copies of the checks the bank sent were old because they were from the fall of 2010..which according to them is when I stopped making my car payment. Even with all the data it means about my credibility or information to help them begin the process of locating the mistake….and getting my car back….they bank is determined to get the additional money from me before they even research! Yet the Credit Union has given them the answer and they REFUSE to listen to it.
I contacted the bank and they REJECT any notion to believe any documentation sent to them signed off by the bank is real and not made up. They will only believe cancelled checks that I do not have because of the way they recently changed the way my bill was processed. I know longer get computerized check copies….I wonder…how is the bank has gone months and months without acknowledging or noting any mistake….as one lady did say…..my money is just out there someplace and the Credit Union and I know EXACTLY where it is…. The lack of detail to one minor number keystroke error is sending me into bankruptcy……Mistakes happen….with computers…it only takes a click..but to refuse to fix it….is unfathomable. I have two accounts with Capital One…..One has Kia written on it and the other has Titan….I can understand how someone never looked closely at the memo on the check or payment…but to refuse to fix it when given clear proof is DESPICABLE….
I do have two cars financed with Capital one and both are in my name. I told them that the Credit Union researched and located the name and account number of what the bills are being sent and applied to and …..Capital One has they do not want the information and they will do their own RESEARCH and while doing so they will auction my car….
Thus they will keep my car...charge me daily storage fee...towing fee and DEMAND $2, 700 to get my car back during the investigation...if I don't pay these fees within the next couple of days…. then they will auction my car during this 5 day time period...so I am at wits in because I can't fight this big bank...I have spoken with one department after another...and they all say...I cannot have my car back unless I give the above amount of money...and to make matters worse...they do admit they have all of payments up until December...they believed those because I could provide paper copies of the check...the way it is processed now...the bank can’t give it to the way they want it as a check check would have looked…. HOWEVER, admittedly they said they have my April 1, 2011 payment...a payment sent the same way all the others have been sent….which is how I know it is a rip off to the highest degree on a person with deliberate and methodical planning of vengeance, evil, hate, joy of seeing others fail, hurt and lose everything they have…….and yet once again that payment was sent the same way the Dec. Jan., Feb.. March...and April payments were sent…..this young man told me he had my April payment…and yet not the others….one lady asked did I have a credit card with them…..I told her I had ones years ago that was charged off……which leads me to believe this a new method of getting money from people who have charged off credit cards….They take your car payment and make you lose your car…….. all the while they come out making triple the amount owed on anything…
They, the bank. said they have never called me since March 2010 because I sent a written letter called to cease and decease contacting me...but they can't provide me a copy...I didn’t write it to my knowledge…...and they said that no one has ever called me from this place since then which is lie...because if my husband is one hour late on his payment they begin calling every hour on the hour to my cell, his cell, and my home number….You cannot escape them….and we have cell phone bills and...
I have spoken with them numerous of times because of his payments not being there on the exact due date...Yes, I have told them over and over to call my husband as it relates to his truck payment….they have never once called me about the KIA .My husband is a police officer and he knows how research and get cell phone bills if necessary to prove they have called me NUMEROUS times if a payment is one day late...
However, on Friday, I faxed them a letter of removing the cease and disease because they said they would not call me to even tell me if the found the error because of the cease and disease. I faxed all the bank documents that were never processed until someone looked..although the lady I spoke with said the reinstatement department would look at it and they never got my fax….until I made someone look but he had ounce of care about it….”Oh, yes they are here…I will not it.” ...
Each person I call is either rude or factiously somewhat understanding...one person went to the manager and showed the info but would not reinstate my car until I give him paper copies of checks that do not exist...my banks certified statements are not legitimate...I was told I cannot speak with any managers personally because they aren't allowed to give me a phone number for those departments...this whole process has turned in to a scam or shakedown to get $2, 700 from me...
They will keep all my previous payments...without saying they have them...my bank knows they have them and where...and they say they aren't allowed to switch the funds from one account to the other...so I will wind up with no car because as you can see in my account I don't have $3, 000 lying around not including the fees for towing and storage. I am working on a time clock and I need help...they have embarrassed me at work by towing my car and calling...which is a place that is not on my call list…but they have both my cell and house number and can’t use that.They called the police in the town of 20 people where I work… …. and told them they were towing my care for repossession... I had a teacher with me looking for my car like a ridiculous person and now the whole school will know and the horror and stress from this earns me a new car and a reward from them for living throughout this whole process of lunacy…..and No one Cares …..No One Cares at the bank to hear the truth….They just keeps giving me deadlines and demands for back payment…
I was never given ANY written or phone notice they were coming to get my car...NONE...Not one call….not one letter….nothing…they simply hunted me down and called my job and verified where I was….but no one at work told me either…..and yet they could not call me……me….the owner…..My bills are automatic and thus I don't look at the payments because I know they come out automatically which now is something I will forever check things ...I can't refinance my car anyplace else due to my credit wipeout when my spouse separated...once banks or anyone see that I have had a car reposed they no longer have to finance my loan...They refuse to fix my credit….I have to prove I have a home, job, bank account, references, all because there is repo stamp on my perfect paying car note...a car is something I never miss a payment on since I could drive...they have ruined my car paying credit on my credit report...and still plan to keep my car and auction it next week while they take what is said up to weeks to investigate and I should make payments on a car that is by this point is auctioned off to someone else...in my mind it is downright larceny and fraud...
I will have to get a rental car that I can't afford to pay for...this is pushing me into losing everything I have...either because of no transportation and/or no funds because of what they say I have to pay to all the other stuff that is of no financial benefit to me and all at a total lost….and the worst part about Capital One at this moment…… they still have no desire to listen to me or read the paperwork and even pretend that I am a person….one man yelled at me and told me I should pay my bills……another harshly said this was the process and he would not answer any other questions….one man was so condescending as if he were reading his script and placating me…..one lady did get up from her computer….she came back to me with the information that they had received all payments prior to December but would not acknowledge any future payments until hard copy checks are sent…which no longer exist because of the way THEY changed the way my money is processed…..one man looked and said they had my April 1 payment….Duh!...and they can’t follow a trail that says we have an April payment and all the fall payments and yet all the months in between are missing…their lack of checking makes me know this is a scam and rip off
….I have not eaten…I’m sick….I crying. I’m stuck at home without a car….I have to call people to run me to places to fax this or get this….my husband is gone…my daughter is in college…the mental strain to this whole predicament is far beyond anything I have had to deal with….I keep thinking it is a bad dream or a movie…They want all of my up-dated history to prove I work, live, or exist…over a keystroke mistake they made in accounting…and a situation they REFUSE to repair……EVEN when the answer is given to them….and then laudably sent back and coldly tell me that when this is all over…I still have to pay the two and storage fee and any additional fees even if it is THEIR fault……O!M!G! …how ignorant do they think people are…..the ignorance is on their part because if they think they can mistreat people and succeed they are crazy……I need some fast help…..Capital One needs punishment.….Sincerely….Robbed Blind!

i dealt with a dealership in louisiana in 2006. my lumina went under during katrina. i put $8000 down on a demo (2006 HHR), which was priced at $18 000 (with 27000 miles), no extrs...not even a working cigarette lighter. the dealership added a warranty for $2000, and life insurance for $2000. i went back to the dealership denying purchase of the above, lo and behold, the "finance manager" was no longer there. i argued with the attorney generals (two different terms of office), to no avail...the bank changed to capital one auto finance in 2006, which took away my coupon book and sent letters every month...showing amounts owed way in excess of payments...by the way...the finance manager had the car financed for 72 months...6 years to pay off the loan...the car was repossessed without warning in february, 2009...now the bank is saying i was 3 months behind in payments and owe them over $4000...in my opinion it was paid for...the person in the "collections department" snickered when i told her that the car had been taken out of the yard...no warning...not a phone call, a knock on the door or a business call...i received a letter stating i should come and pick up my belongings out of dallas...

Capital One Auto Finance contacted me and asked me to join there direct pay program, which I did I was informed that all late charges will stop, and I don't have to worry about trying to get a stamp to mail off the payment, sense I joind the direct pay program my account is being charged late fees and no one seem to be able to help. I have been receiving twenty calls a day Capital one. even after I told them I have letters staing that my account is up to date and all the late fees will stop upon joing the program, now it's a different story when you join late fees are being place on my account and call are coming to my house twenty times a day. Don't Capital one auto influence you on joing any of there scams

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.