Capital One
Reviews and Complaints

paid my car loan off April 2, 2010. Today is May 15, 2010. I have yet to receive my title. I need to sell my car and can't. I lost buyers twice because I can't deliver the title...

Ironically, while they are permitted to cause financial harm, fees piling up, and report credit delinquencies, or even take away cars that have not been paid on time... I have no recourse available to me immediately.

loss of $ 4500, because I was unable to sell the car, due to the missing title sign off.

Does anyone have a word or two of advice?

We got approved all paper work is signed and turned in because of a address conflict we had to resubmit paper work with our military address and now they denied it cause we will be living on post mind you my husband is military is this legal? I am at my witts end with these people and they cant seem to give me a honest answer why we were denied I have had enough... I am trying to find out if this is legal for them to do once the paper work was done we made our down payment and everything went through can the y go back on something like this... I though once it was done and you signed everything then that was it

I have read about Capitol One's Credit card customer complaints and they all have the same problem with them as I do.
It 's nearly impossible to get out from under their contract "this is a warning to anyone "this is their general practice" and you also will have your credit messed up due to they will immediately turn your name into the BBB if they cannot continue to get your money...I asked..I begged them over the phone to tell me the sum and it would be mailed and was promised to be let off their hook...I sent $224.00 to end the nightmare..still received a bill, again..called them, they informed me that Interest had incurred while the 3 days evolved before they received the money order and I owed them $3.36 cents...I told them I was going to send them $20.00 to cover interest once again and to keep the change...By the way, has anyone that got screwed over by this company noticed that they hire people that have a middle eastern voice that it's nearly impossible to translate what they are saying?
Jibber-Jabber..double talk at it's best...Nothing against those people but this is america and they should at least have people that can relate-convey messages which is called customer service... you actually leave the phone thinking" that was a worthless call..also knowing Capitol one hand picks those people therefore it's the customers fault for not understanding Omar..
I'm 61.. 100% disabled Viet nam vet ..Capitol One is something the hard working American needs rid of ..we work -fight hard for our money..this is like taking from my kids and Capitol one or any company with their practices should be shut down..especilly with tens of thousands of valid simular complaints as I have grown to know.
They have nerve to screw up your credit through the BBB, I am finished paying them...I never used the card but paid the monthly bill required, It was to help me get a better credit standing but turned around to bite me...They are proof positive that they care less about a persons credit..they also know it's not the customers fault...they will eventually be investigated ...I will not give up until everyone concerned has heard this story..they cost me over $550.00 and a bad credit rating so therefore they will be exposed to every source that I can summons and contact...I know the County Att. personally, this will get the ball rolling on these people..RB

I had joined a health club (melaleuca) which is another story I posted on here a while, ...ppsssttttt stay away from that one as well. Anyway I told Capital One I didn't want melaleuca chaging my account. Capital One said they couldn't stop it. They advised me to cancel the credit card and get issued a new card and number and that would prevent any further transactions from Melaeuca. Four weeks later a charge showed on my card and Capital One had authorized a chargwe from Melalauca on my account. CAPITAL ONE ALLOWED THIS, ..WHY!?

I talked to four diffrent repersentives who either had no clue or couldn't give ma solid answer. So for Capital Ones lack of incompetence I have paid the bill in full and canceled the account. I have opened a new account with another credit company.

Til' the day I die I will always warn others of Capital One's lack of customer service and finacial security to its account holders.

I fell victim to a fraud/scam using my capitol one card in the amount of over $15, 000.00. Part of the scam was to have me sign paperwork authorizing the 15K payment. The companies that did this, where shut down by the attorney general of AZ in April of this year, property and cash where confiscated, and perpetrators jailed. (Ref:Bankcard Empire/Leslie Mersky) This was a verified scam operation.

Capitol One would not help recover the monies as they have a different definition of Fraud than what the Card Association uses: "Any situation to where a cardmember has made a purchase due to information which was intentionally misleading or deceptive". Cap One says that since I agreed to the withdrawal by these scam artists, there was no fraud committed. I never recieved any services or money from MRS, and the advertisiing compaign I paid for that these companies suppossedly ran was never done, and the company was shutdown before the campaign could be finished if done anyway. The form I signed, agreeing to the withdrawel of the money, was obviously part of the scam operation, and not legitimate, but Cap One is still holding me responsible for the amount, instead of going after these crooks.

CapOne has created a huge "loophole" in the system for scam artists to operate as in what has happened in this case. If Cap One follows the Card Association rules and regs, then they are in violation of what the Association defines fraud as. This is definitely a fraud claim that Cap One is trying to shirk even though they have the resources and proof I can supply to do so.

I paid my car loan off April 2, 2010. Today is May 15, 2010. I have yet to receive my title. I need to sell my car and can't. I lost buyers twice because I can't deliver the title...

Ironically, while they are permitted to cause financial harm to consumers, fees piling up, interest rates raised and other fees extorted, and reporting credit delinquencies, or even take away cars that have not been paid on time... I have no recourse available to me immediately. I can sue, and so help me the world and God, I will!

I extended a loss of $ 4500, because I was unable to sell the car, due to the missing title sign off.

I entered into a car loan with Capitol One about 3 years ago... since that time, my income has dropped to 30 percent of what it was when I bought the car. I kept up with my payments up until a few months ago, when I tried to refinance, and the refinancing was denied by other companies because Capitol One had reported my payments late, twice, when I had never been late. Since the time that the refinancing was denied, I fell behind a few months, but I called Capital One, and I was on the phone with them for about 2 hours, extending my loan, and the guy I spoke with told me that my account, from now on, would be reported paid, up-to-date, if only I would enroll my bank account and routing number for automatic bank drafts. Well, they've been drafting my payments, all right-- but they haven't reported any of my payments and have on file, ON MY CREDIT REPORT, they say that I haven't made payments, at ALL, in months. How do I stop these drafts? Change my bank account? It seems like now I am powerless over my credit, my money, and what I want to do with the car. I am totally over trying to make the payments, since my credit is going to *** (due to Capital One's faulty reporting) --- I am thisclose to dropping the car off to them and saying screw it. The damage has already been done. Ugh. Not to mention that, whenever I call them, I can't speak to a supervisor who can answer any questions.

This seems completely unprofessional...

Capital One processes transactions in a way to collect more NSF fees. Yesterday afternoon I checked my balance at 4 PM and had $205 balance. I made two transactions around 5:30 PM--one for appr. $27 and one for appr. $56. I checked my balance afterwards and the new balance reflected the latest transactions, around $122.00. At or around midnight that night a direct deposit of over $1000 went in. The next morning I checked my account and it showed NSF fees for the two transactions from the day before (even though my account was actually positive due to the direct deposit), and showed two checks posting beforehand in the amounts of $90.00 and $124.00 (which had not been there the evening before). I don't understand how they are able to go back and change the order of the transactions after the banks have closed. When I cash a check it post to my account immediately and the new balance is reflected online. However, these two checks were processed later, but adjusted so that my account was overdrawn before the smaller transactions, resulting in 3 NSF charges of $35 each when, if posted in their accurate order, I would have only been assessed one NSF charge of $35.00. Isn't this illegal? I called customer service and she tried telling me that the checks are some times processed later depending on the time the check is received. Wouldn't this verify that they fraudulently arranged the order of transactions to collect more NSF fees?

I have evidence of the illegal and deceptive acts Capital One has engaged in, from holding mail deliberatly with their carrier so that it's postmarked late (even if I sent in a payment two weeks in advance, it was always late), and not recognizing electronic payments made or posting them late as well even it they were made a week in advance of due date, all so they could charge late fees, raise interest to 29%, then charge over the limit fees and raise payment amount by 75%.

This is all illegal, so I stopped paying them and am taking them to court in a class action lawsuit since the federal court has ordered the Attorney General's not to prosecute Capital One. So it's up to us little guys to take down this giant!

Email me ([protected]@aol.com) with your complaint, let's go after them! If I win, which I'm 99.99% sure I will, I promise to share the winning amount (up to $500, 000) with you. If you want to sue them yourself, which by the Consumer Protection Act chapter 93A you have the right to, I'll send you all the documents I have to nail them. Then not only will you owe them nothing, they will have to pay you!

Email me at [protected]@aol.com by this summer 2010 with your complaint. It's time to call them on their corruption since the government won't!

They were stupid enough to give me a credit card right after i went through bancruptcy. I paid my bill over the minimum amount every month, and on time everytime.
I then lost my job, and contacted them and told them i wouldn't be able to pay my bill on time.
they charged me late fees, which put me over my limit, so I got charged over limit fees on top of the late fees.
My bill is over 4500.00 now, and almost all of that is the fees.
They took me to court, which I had to go to 4 times. In the end there was a judgement put against me. The whole time I am making payments to them through a credit councelling agency. But they want more than I can pay. I'm paying 80.00 a month, but they want 200.00 a month.
Now they have put a garnishment against my bank account. The problem is, I don't have a bank account. And I have never had an account at the bank they are garnishing.
I have called them at least 50 times through out this whole ordeal. i have spoken to the lawyer who represented them in court, but none of them will listen, and don't have a clue, of what's going on.
But I am the one getting screwed, with all the charges, that they put on my card, because they won't do a damn thing to help me out.

I went in to the Flower Mound Branch of Capital One to deposit a pair of checks, one of which was for my mentally and physically disabled father in law for whom I am Attorney In Fact (I have durable power of attorney). Despite the account being used for this purpose for almost a year with many checks including ones just like this, (Treasury Dept.), I was informed this wasn't sufficient any longer and I needed to re-open the account correctly. I have no idea how the account was opened incorrectly, but Lynn, the Assistant Branch manager said it was wrong and therefore we could not deposit the check. This was after her asking me to sit in her office for over twenty minutes waiting on something that usually takes minutes and we handle through the drive through.
I then stood up to leave, and Lynn took the check from her desk, and despite me asking her for it, since she wasn't going to do anything with it anyways, she refused and I reached over and took it from her hand, since after all it was my property and she refused to give it to me. She then very dramatically claimed I assaulted her, and called the police.
The police have already informed her and me that no assault took place, especially since it was my property in question, nor was there any bodily harm on her part. However, the branch manager took it upon herself to freeze all my accounts, including the business account for the company for which I work, which is also the account payroll and benefits are drawn against. No notification was given as required by law, and they refuse to speak to me, despite the fact they have to in order to close the accounts, which they claim they want to do.
So, in the end, nothing criminal is happening, despite Lynn's best efforts to the contrary. My accounts are frozen, including my employer's account which isn't even under my social security number, and they won't speak to me to resolve the issue or even let me close the account. This is a violation of Federal and state laws governing banking and availability of funds, as well as a breach of contract between my company, myself, and the Capital One.

When you setup a new Capital One Money Market account, there is a question that asks if you are subject to Fed Tax withholding, and if yes, you check the box. I have never checked the box, but now for the 3rd time on 3 different accounts, they have withheld fed tax. On one account, the only way I could resolve the problem was to close the account. I was told that I had to write a letter and ask to have the tax withholding stopped, I did that twice and they did not stop it. I was finally told by a CSR that the only way they could think of to stop it was to cancel the account and open a new one so I did. The next account that it happened on, I was able to get a CSR to stop future tax withholding but not until after tax was withheld. Now on another new account, they have done it again. I keep copies of forms so I can prove I never checked the box.

At first, I just thought they were screwing up, but now after a 3rd occurrence, I think it is a plan. I think what they are doing is withholding tax on your account balance, then they apply the interest you have earned. If anyone questions it, they say oops, sorry about that and maybe fix it for you but in the meantime they have used your money, then withheld tax that you didn't ask to be withheld so that they are paying interest on a smaller balance. For most of the accounts the amount withheld is probably small, in my current case, $2.32, nothing huge, more of a nuisance, but on hundreds of thousands of accounts, they are saving huge interest payments.

Is anyone else experiencing this?

Capital one is screwing people big time, good customers with very good credit are being hit with very high interest rates arbitrarely and when you call them they don't want to budge their only advice is you either keep the high interest rates, continue paying and shut up or, they will close your account (screw your Fico's) and lower the rate. So either way they screw you. New customers BE AWARE! THEY WILL LURE YOU WITH A NICE LOW INTEREST RATE only to raise it after a year or two and there is nothing you can do. They did exactly that to me and it will take me 32 years to pay them $15, 000 with a monthly payment of $400!.
The government should take a look at this abuses and do something about it instead of fighting over health reform or anything else that is good for the people.

My car was in an accident and the insurance check was sent to me payable to myself and Capital One. I contacted their call center on March 23rd, 2010 to get the address and process to get the check signed and payment sent to the body shop. On March 30th, 2010, Capital One promised the body shop payment by Friday April 2nd, 2010. They are now not returning my calls or the body shop's calls. My car is being held hostage by the body shop and Capital One has the Insurance Money. BAD BANK

Always always giving misleading information. Every customer representative apologizes for the one before because of giving incorrect information. I want my credit card increased and I want my loyalty as a customer to be appreciated. I am tired of capital one treating me like crap because they know I need them to rebuild my credit and I think they use that to their full advantage. I have always paid my account on time with the exception of a couple of times but all in all they have always told me that I am a good customer. Then do something to show it. I want my card increased to 750.00 or 1000.00 before Friday. I work my butt off at two jobs and make more than enough money to cover any payments that become due. I have submitted previous complaints to do with capital one and I would appreciate a response by return email.. Thank you.
Please email to [protected]@hotmail.com or call [protected]. If I can take the time to contact you then I would appreciate you taking the time to respond to me

April 4, 2010
Richard Fairbank, CEO
Capital One Financial Cooperation
1680 Capital One Drive
McLean, VA [protected]
Fax-[protected]

Dear Mr. Fairbank:

As a customer, I find it very troubling with attempts to reach one of your office subordinates via telephone and US Mail almost impossible.
Since February 22, 2010, I made numerous attempts via telephone and US Mail to report and on-going issue with my account and the unprofessional conduct by your debt collection staff located at your Knoxville Tennessee and Plano Texas Call Centers.

I received the attached letter dated March 8, 2010, signed by a William Shank responding on your behalf with instruction to contact him at [protected]. In that letter, please notice a number of handwritten names and phone numbers that I spoke to in the search of William Shank who never gave a telephone extension or employee number etc. After an exhausted 2 hours on the phone with a number of rude customer service agents, I was told no one with that name existed within the Capital One System. In addition, I received a generic second attached letter dated March 9, 2010 threatening with repossession of the vehicle. This I consider to be in retaliation for my attempt to report the Call Centers employee’s unprofessional and unlawful conduct to your office.

On March 31, 2010, I took the entire day off, for the sole purpose to resolve my on going issues with Capital One Auto Loan. I started the morning by trying to call your cooperate headquarters direct phone number [protected] only to received the following messages, “The switch board operators are not available please leave a message”. After a number of exhausted calls I was able to reach Mr. Scott Meadow from treasury department. Mr. Meadow apologized on the behalf of Capital one, for my endless unsuccessful attempt to resolve my Auto Loan issue and unable to reach your office, he promised to have some one from VP of Customer Relations level contact me immediately.
I received a phone call from some one identifying themselves as Narada ID or employee number VCL764 approximately 30 minutes after ending the call with Mr. Meadow. Mr. Narada took down my loan number and promised to call me back within an hour, I requested his phone number or extension he told me he did not have a call back number. It should be noted, neither Mr. Narada nor any one else from Capital One has yet to contact me as of April 4, 2010.

It is refreshing to read as a stock holder, and customer that Capital One has been widely recognized for its entrepreneurial culture, progressive work place, and community engagement.
Nevertheless, I find it quite disturbing for a company of such enormity can have so many identical complaints from hundreds of its auto -loan customers posted on several on-line forums.

It appears Capital One Auto-Loan has complete ignore what I am trying to accomplished as a consumer and rather engaged in intimidation and threats in an attempt to collect a debt that is less than 25 days old, therefore, triggering a direct violation of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.

While I would appreciate a timely resolution to this matter, I will not be subjected to the unprofessional and unlawful conduct by Capital One Call Center or Debt Collection Employees.
I can be reached at xxx-xxx-xxxx only to discuss the forgoing matter. I do not wish to be bombarded with any harassment phone calls at my place of employment.

Sincerely

Capital One and their rates are outrageoulsy high. Yes I was late on my payments, but the past due was more than half of my mortgage and I was still under my credit limit! They would not work with me in any way for a reasonable payment plan that I could afford. They also called 2-3 times after I made payment arrangements.

If they are calling your job send a letter in writing (Cease & Desist) for them to contact you by mail only!that last thing anyone wants is collection calls at work which puts your business out there.

To make a long story. I've been a customer for years and have two accounts with them. Each month I would send one check payment for both of my accounts. On my check I would include both acct# numbers, and the dollar# amount for each account. I would also, include both payment slips indicating how to apply my payment.

Well in, January of 2009 Capital One applied my check payment to just one of my accounts, not only that they applied my check as a digital payment. Which means the bank does not receive a copy of the front and back of your check. So the account where my payment was not posted to I got a late fee-of $40.00 month after month. I of course tried calling to explain what happened and that my payment was missapplied without success. To date I have been billed illegally $488.00 in late fees since Feb of 2009. Before then, my account was in good standing and current.Not to mention all the payments I have made the last year have not been applied to my balance, but to late fees in which I still getting every month to date on 3-29-10. Not to mention affecting my credit, higher intrest rates.

I thought, that one could only receive 4 or 5 late fee charges for the same occurence anyway? Capital One has charged 12 late fee charges for the same occurrence?

I continued making my regular monthly $40.00 payments- but Capital One did not apply my payments to my balance-but to my late fees, which I'm still accruing every month. I've tried calling to get resolved with no success until I ended up having to file a complaint with the (Comptroller of The Currency)in Aug 2009, which is suppose to be the Watchdog for consumer with Bank Credit Card Complaints.

Truthfully, (Comptroller of The Currency) have not been much help either, they automatically except the word of the rich Capital One Bank without reviewing the proof I had provided. I'm currently in an appeal status, we'll see what happens.

Today, I received a letter from Capital One offering to give a partial credit $390.00 on my account. Stating, I still owe $151.00 dollars in late fees.I donot accept their offer.

I donot accept to pay what I donot owe-not to mention the $480.00 worth of payments I made within the last year not being applied to my balance. Not to mention my credit being scarred. Not to mention, my intrest rate they jumped from 14.99% to 22.99.

See my partial reply to Capital One Bank:###############

How many other people have you done this too?

I notice in your reply-that you ignored my request for a copy of the Front & back of my paid check#4859, why? Because as I stated previously it will show how I requested my payments to be applied. Payments for acct #624 for $20.00 & #693 for $26.00 was missapplied to only acct#624.

And as you mentioned #624 payment slip shows a payment amount of $20.00, and on that same slip #693 for $26.00 was written. You use the excuse, that because you LIE and state there was no payment slip for #693, that justifies you applying the full amount to #624.

I have had these two accounts for years and have paid the same way with two payment slips. There was a second payment slip for #693 which shows $26.00 on that same payment slip acct #624 for $20.00, which matches what is listed on the check.

But say, if it was true, which is not. That is absolutely no excuse for applying my payments to one account, when that payment slip tells you in writing how to apply my payment to the two separate accounts. And list on the payment slip the other account and the dollar to apply payment. Not to mention my check, that it's also in writing tells you how to apply my two payments on both accounts, not just one account.

WHAT YOU ARE DOING IS CRIMINAL- That you would continued to illegally bill me going on a year for late fees, when you have proof of my payment being received and on time. You refuse to admit you made a mistake and correct it! WELL, I REFUSE TO PAY MORE THAN I OWE AND I WILL FIGHT TO THE END. That means contacting and making complaints BBB, News Blogs, Consumer Agencies and spreading the word about your illegal billing practices!
##############

I have been a Capital One Auto Finance customer since 2003. I recently purchased a second vehicle in 2008. I experienced some financial distress and signed up for their Car Pay Catch Up Plan. I was told that if I signed up for the plan my account would be caught up and no negative information would be reported to the credit bureau. This was a lie. They reported a 30-day late to my credit report and when I called they would not do anything about it. I have tried to speak with someone in customer service but it has not helped. I am thinking about hiring a lawyer filing a class action lawsuit. They have the worst business practices of any company I have ever transacted business with.

Capital One didn't send notice of rate increase. When I received statement with increase notice, they wouldn't let me opt out - too late. When I called this February to find out why the disclosure notice wasn't on the statement, they said it would be on the next one. They also told me that if I pay just the minimum payment, the payoff time was "never". Then miraculously my credit card was cancelled. I called to find out why - they said I called and cancelled it. I did not, but they refused to admit it or fix it.