Capital One
reviews and complaints

I receive a statement from capital one, who I do not have an account with, and have not applied for this credit. The statement it's self looks fake, I called the number, as follows18009557070. It was a call center, out of country, the guy I spoke with was foreign. He had the nerve to ask for my ss#, I used very strong language with him and advised him to cancel any and all fraudulent information on me. I'm not sure what else to do, i've never had this problem before. Please help!

Please help resolve the below!

Second Request:

As I am sure you can understand, I am very disappointed by the news that I received today stating that the TWO late entries on my credit report would remain. Taking into account that I disagree with these entries, I have no other choice but to desperately yet rightfully, dispute the negative entries, on the basis of an obvious system error and at this point unreasonable procedures. I respectfully request that Capitol One promptly remove the TWO late payments on my credit report and swiftly submit this info to each Credit Bureau.

As you can see in your records, I am a long-term and loyal customer of Capital One and through no fault of my own, I have TWO late entries marked on my credit report. As I explained, I called in and made these payments. However, because your system has no record, I have to suffer the consequences.

Again: I called in and made the payments as I always do!

In closing, this error has caused me a significant amount of stress and turmoil in multiple areas of my life. I want nothing more than Capitol One to take a loyal customers word and remove the late entries. I simply cannot allow an error that is no fault of my own to destroy my life!

I purchased a Volkswagon Tourag from Auto Brokers in Cobb County, Georgia. The car is financed through Capital One Auto. The car is a lemon. I have had to put so much money into this car and it's still giving me problems. I contacted Capital One to ask for options for payments or trading the car in. I was placed on a hardship program and was making payments. Capital One still marked my credit as late (messed up my credit). Also, I purchased this car in 2012 for $16, 000. According to them, I still owe $6, 600. Unbelievable! This is a rip off. I'd like to be reimbursed and to have the late pays taken off of my credit report...Immediately!

I made a cash deposit into the Capital One ATM and the machine malfunctioned and did not provide a receipt. The deposit was for $1, 500 needed to pay my mortgage. Capital One claim that the ATM balanced and has refused to do any other investigation. As a result, I have lost my money. I provided them with proof of where the money originated, description, date, time, etc. Capital One insist that the ATM balanced and that is the extent of their investigation. So I'm left with trying to figure out how to make up for my lost funds. The customer service was the worst for fraud. I was never given a contact until I sent a complaint via BBB. I want to warn customers to do not open an account with Capital one and especially do not make cash deposits to their machines. There are no brick and mortar banks in Central VA so you are forced to use the machines. I think they rely on the machines defaulting so that your money is lost. They have camera's on the ATMs but will only use them for their advantage — not to help the customer.

It was in the understanding that Capital One would remove my lates if I paid them half of the monies and stay current which I have since this has happened. Now they are going back on there word and not removing the lates. In April 2017 I spoke to a representative and she stated that she would do this since I told her that I wanted to better my credit and fix what was wrong or else I would of just let them close it out. After calling several times each representative stated that she should of never of promised this to me which at the time I had no clue that she could not make this possible. Capital one states that they will not remove it and shows what they say is accurate but according to my on line account I have with them some of the times that I was late they never reported or if I wasn't late they would charge me a late payment.
To Whom It May Concern:
I have been a loyal card member of Capital One for 2 years and couldn't be happier with my decision to join the Capital One Family. You've always offered some of the most competitive rates and rewards programs.
Unfortunately, in November of 2016 I took advantage of our relationship and failed to submit my monthly payments on time. It was an exceptionally busy time in my life as I was balancing being sick and out of work at that time and fell behind on other bills too. I was the only person working and am the only on that had a job at the time. I contacted your representative in April 2017 to find out what I can do to make my relationship better with Capital One and she in turn stated to me that if I paid the whole balance while being on the phone with her she can promise me that my account would be erased of all the negative late payments from the past and brought current and have my privilege's for using the card issued again. The amount that she asked for was $427.00 I believe, I paid half the amount and she stated she would remove the late as long as I made good on my on time payments. I in turn agreed to that taking place since I knew in the near future that I was going to be buying a home and wanted to make things better with Capital one. I have since fulfilled my agreement and have been making on time payments also making more than the regular payment due at times. I was under the impression that this was a verbal contract since I fulfilled my part and Capital One has only fulfilled half of their agreement with me.
In January, when I pulled my credit I noticed that the late payments were still on there so I call on January 22, 2018 and spoke to Rain which he stated that he reviewed my account and saw that the dates that I was referring to were correct and that he was going to submit it to the department that corrects the three credit bureaus and that it would take 60-90 days for it to affect my credit. On February 6, 2018 I received a letter from capital one letting my know that they researched it and due to the FCRA that they could not make any changes. I called and spoke with Brittany (which was a manager) and she looked into my account and said that since I was promised this to be removed and she would place another report using a different way from the last one that Rain proceeded to write it in. She also said that it would take 60-90 days for it to be corrected and it should be no problem since she verified everything with me.
On February 23, 2018 I received yet another letter stating the same from the previous letters that I have received. I once again called and asked to speak to the Capital One Credit Bureau Resolutions, the department that the letter came from and was informed that there was no such department so I asked to speak to a manger again and I was connected to Ikey. I explained my situation again to him and he had me on hold for several minutes and came back on and told me again about the FCRA and it could not be done but understood that the lady I first spoke to promised me something that could not have been done. I then stated that it was wrong for her to promise me something since I believed it was a verbal contract and I fulfilled my side of the agreement. If I would have known this I would have just had it been a charge off since that hit on my credit and my FICO would have had less of an impact verses the late payments that I have on it now.
So this leads me to contacting you through this letter in hopes that you can help me with what I was promised and see that since I have been making good on my half of the verbal agreement. I would have made sure that I received a letter first before doing such an act in paying but I thought that since I am an honest person that she would and your company would be the same. I feel like I have regained your trust and knowing that since this happened I have not been late on any of my payments that I have with Capital One. I urge you to pull the recordings from said conversations with each representative to verify what was promised.
I am just asking for my promise to be made valid and my late payments be removed. The dates for the late payments are November 2016- March 2017. I paid in full in April when I was promised all of the late payments would be removed from my credit. I am hoping that you can fulfill your side and make my credit positive again with all three credit bureaus. I sincerely hope that Capital One believes in their customers and I humbly request your consideration to allow me to pursue my dreams. I appreciate your time and look forward to receiving a favorable decision from you soon.

Regards,

Kenneth Hiscocks
8957 Grand Emerald Ct
Las Vegas, NV 89149

March 14, 2018
To Whom It May Concern:
In response to the document that Capital one wrote to me stating that my account was correct, I have found some issues with the information. I enclosed the original letter where Capital one stated that the information was correct but when I went on my account on line I found other issues and I have enclosed the reports that I have found on my account. The dates that were stated were late was august 30 days, November 30 days, December 60 days, January 90 days, February 120 days, and March 150 days late.
The first proof I have is the 2016 Year end summary. It stats that I was charged late fees for the following months: July, August, October, November, and December. September was cleared up for July and August. October was never reported on my credit so that would make November 30 days and December 60 days. The 2017 year end summary shows no fee was charged for being late in January, February, March and April.
Enclosed is also a paper showing where I paid the April bill that was verbally agreed upon in the amount of @224 which was half the balance due. July 2016 summary shows never late on the credit report but was charged a $25 late charge. September 2016 summary shows I made a payment and that the amount I paid was above the new balance amount that was billed to me. October 2016 summary shows the balance is different from the September 2016. I made a payment in September so I do not understand why I was charged a late fee from the month before. November 2016 summary should be 30 days late and was charged a late fee of $35 not the regular $25. December 2016 summary should be 60 days late and was charged $35, the account was then suspended. January 2017 summary shows that no late payment was issued and the account shows suspended. I believe that if in order for Capital one to report this as being late they should charge me the late fee which they did not for this month. February 2017 summary shows that the account is restricted which I do not understand since it went from suspended to restricted and this month I was not issued the late fee again. I do not understand how Capital one can report late payments to the credit bureaus if they do not charge me a late amount. March 2017 summary shows no late charge, balance is different and it is still restricted. April 2017 summary shows the amount I promised to pay verbally and no restrictions on my card. May 2017 summary shows payments have been made on time, which was agreed upon verbally with the customer service representative. As to this day I have not been late and have made my payments in a timely matter.
I do not understand how Capital one can support these findings since it clearly shows that they sometimes charged me for late fees, sometimes didn't, and also sometimes didn't report me for being late to the credit bureaus. Capital one made my account show suspended then after still not paying switched it to restricted. I owned up to what I did wrong I just hope that Capital one will own up to their representative making me a verbal agreement and remove all the lates off my account. I have showed several documents that are attached that Capital one doesn't report accurate items to credit bureaus.

Please look into this farther and see that I held up on my part of the verbal agreement and Capital one has not and they have different information then I do in my files.

Thank you for your time.

Kenneth Hiscocks

For about a week my local branch has been without ATMs. Imagine in a New York City running to work or running errands not being able to transact because the ATM is out of service. There was no notice of when the problem would be rectified or a reason. I found out today, 1/24/2018 that it not have ATM service until this weekend. That is unacceptable as is. A day or two is convenient but manageable. Not nearly 10 days. And, to make matters worse the service within the branch is poor. I would think that the manager would have the common sense to open the branch a little earlier to accommodate the commuters going to work but no she did not. Then to find her still holding a staff meeting after 9vam when there is a line of customer waiting to conduct business they would have been able to do if the ATMs were operational is ridiculous. Someone should be held accountable. Keep your customers informed. At the very least knowing how long ATM service would be out would have been nice. Good customer service would have been to extend branch hours by 1/2 hour in the morning to accommodate the community. Great customer service would have been doing all that and having extra tellers to manage the morning rush.

On my last Capitalone quicksilver credit card statement I had a balance of $975 and on my Chase Freedom card I had a balance of $6322. I did a balance transfer for $975 to pay my CapOne account. I did a balance transfer for $2822 to Bank of America to reduce my Chase balance since the promotional rate will be expiring by my next statement date. I did another balance transfer from Barclay's Bank for $3, 500 to fully pay off my Chase account. Unfortunately when initiating the Barclay's transfer I put in my CapOne account number. The $3500 arrived yesterday and my current balance is -$3, 500. I spoke to your Customer Resolution Center at 7 am this morning and requested an expedited check issuance or ACH back to my checking account. I pleaded with the person(name unknown) to get someone to authorize a same-day ACH today or issue a check to me and send it via overnight mail( I offered to pay for the service ). Both requests were denied. My attempt to speak to a person with more authority was also denied. I then requested the ACH refund of $3, 500 to be initiated.
I was the Finance DIrector for Fleet Bank Credit Card Services and a CFO of 6 banks over a 30 year banking career. I know how things work.
I am bitterly disappointed in the performance of CapitalOne in not doing anything above and beyond the normal process to make my life easier.
I am not putting account info in this email on purpose, but want a call to [protected] from an Executive of CapOne to discuss this further.
I want better treatment.

Joel Hyman

I am a long time Capital One customer. I have Savings, Checking, Investing, MMA and Credit Card accounts with substantial balances.

I opened a Venture card in April and have spent over $37K in 9 months. I have never been late on a payment and by their own CreditWise metric I have an Excellent credit rating score.

My account was deemed Restricted and I was unable to use my card. I was not adequately informed as to what caused this transaction to occur even after multiple phone calls and inquiries.

I was told to provide a Drivers License, Social Security Card and utility bill for identify verification, which I did the same day requested. My account was then closed permanently, again without explaining what the cause of the issue was or why the documentation I provided was apparently insufficient.

While this customer service and account closure decision was extremely disappointing, the most troublesome issue is the fact the 40, 000 reward miles I've accrued on this account where also seized, and I am unable to redeem or access due to this decision.

I called today 12/28/2017 to discuss a letter that I received explaining the reason for a decline request for a line of increase on my credit card. I was transferred to an escalation dept and spoke with Candance who's the worst employee that I've spoken to since being with Capital one over a few years period. She told me that she couldn't see or discuss the letter with me and demanded that I read the letter to her. I had told her initially when she came on what the letter said in general but she wanted to hear the words verbatim. I had spoken with another rep a few days ago when I first put in the 2nd request online but had not yet received the letter and she was able to see the first letter and we went over it together and I was satisfied with her conversation. However, when I got the second letter which was identical to the first with the same reason, I decided to call back as I had contacted Equifax which was cited as the source and they denied reporting any late payments or recent delinquencies. How is it that I got a letter from Cap One but a staff at capital one cannot see the content? It doesn't make sense & I told her she was lieing and had an ugly attitude; one I'd describe now as condescending . I'd really like someone in management to listen to my conversation with Candace today 12/28 and my conversation with the other staff on 12/26/17 to see the difference in customer service. I strongly believe that she doesn't need to perform any "direct contact" with customers duties. She is NOT representing Capital One's brand. I've read a lot of negative reviews about Capital One and up until today & I've begged to differ. I've Never had a negative experience when calling about my accounts even times when I wasn't happy about an issue. Had she looked at the letter she would have understood my frustration and guided me like her co-worker did previously. Clearly there's a mistake with delinquencies being reported and I'm trying to figure out where it's coming from as I've contacted all 3 bureaus and none seem to have it on file. I'm not interested in the increase line of credit anymore but more so where Cap One is getting this data to render its decision. Sadly, after dealing with Candance today, I'm rethinking continuing my relationship with Cap One.

I have been a customer of capital one for as long as you've been capital one. I am grossly disappointed in the way my account was (Is being handled) with the exception of "tiffany" who I truly hold in high regard. However, following our resolution of a problem, no one seems to understand that and continues to allow "late payment," "past due" calls/e-mails, when — are you ready? — I don't owe you any money!
Tiffany did all she can and she was great.
Today I got a recording (british female voice) telling me to check my account (wth?)
I called to discover that, in a nutshell, capital one is driving a train at 85mph, a curve is coming up with a 30 mph limit and you are not able to stop. I am extremely angry that a public company does not have an ombudsman to respond to the "fell thru the cracks" people and correct idiotic unnecessary problems. A senior manager (Yeah, sure) named "cassie" asked me to re-hash the whole issue. I accommodated and then asked, "okay, now what?" I heard crickets. Then, I called her name, "cassie, cassie, you there? Hello?" she said in a hurried voice completely unfocused and I could tell she had not been listening, "i'm here." I then told her to try to do whatever the h* it is she does, and I would do precisely what it is that I will do. So, nothing is truly (In the purest sense of the word) "resolved." what's in my wallet, you might ask. My own money because I don't owe capital one a penny. By the way the corporation should not have a 3rd party vendor answering the corporate tel line. They don't know the meaning of the word "ombudsman" even though I told her I would define it for her. Holy moley!

This credit card company is a preditor type of company .I Marra Wallace received a preapproved card for a 300$ credit limit . I attached a 2nd card holder and opened up a payment line with an external bank account from bank of America from my 2holder the capital one card used my account holder and I to pay way too many payments and after 5 months I was to receive a line increase that was the card deal if i payed on time for 5 months I would receive an increase . well capital one closed my card off and left it open for payments only . hello how crooked is this 100% crooked well unfortunately my dear friend second card holder passes away leaves me capital one bank refused to reopen my card access and has allowed 24 payments to get pushed back caused my credit score to decline down from 630 to some awful score i want this card account to be reviewed for preditory lending practice with false advertising as well capital one is evil and there must be regulation for disabled and military vets to recover from this type of credit card company abuse

I have tried to call Capital One 3 times over the last 2 months to cancel my Credit Card since I have been told that I can't stop the Annual Fees on it, even though my husband doesn't get charged any fees. Each time I called I was kept on hold over 1 hour each time and just hung up out of frustration. Then today, 18DEC17 @12:13pm, I decided to try Chat to get my request completed. After being transferred to Betty Mathew (ID#UMZ261), she did cancel my card with no issue but said she couldn't provide me with a letter, that I would have to call the same number that I have been on hold previously over 3 hours with. When I asked her to escalate this issue to her Supervisor she told me that she does have the ability to issue a letter but that I didn't tell her that in advance. What kind of policies and procedures does Capital One have (or not have) in place whereby the client has to be able to read minds or know the job better than the actual employee? She should have asked me if I wanted a letter before she lost the chance to provide me with one. I asked again to speak to a Supervisor and was refused. I asked to be transferred to a Dept where they could handle my request. I even asked her to get someone to call me directly to discuss this. All requests were denied. I have now spent an additional hour (total of 4 now) to get this resolved which is totally unacceptable.

Try to cash a check at 620 w. 181st. NY NY for the amount of 5200.00
Presented two credit cards ID and my driver licence just to be toll by the lellet that the lead teller, JESSENIA CASIMIRO refused to chash my check because of the amount and that she could not verify my Id. (State driver licence) is she stupid or what. Looks like she never seen 5000 dollars and think is the end of the wold. No profecional and really can't understand how she is a lead teller. I went to another brach and they cashed it no questions ask.
DO NOT BANK IT CAPITAL ONE.

I have been trying to get my lien released for a motor cycle. Paid off in 2009, bike is sold, can't get title without lien released.

2007 Big Dog Motorcycle (paid in 2009)
VIN 5J11YBJB67W000469
faxed paper work and request for release to Yolonda on 11/27 (Chicago call center, fax direct to her fax [protected]). She said she'd call me, never did. After 3 days of getting bounced around, I spoke with Angela FKP685 at same call center. She said she received fax and escalated case. Waited 4 days and now she says the title department is working on it.Should get a call in 24-48 hours - never did. It has been almost 2 weeks and I may lose this sale.
I need my lien released asap.
Tony Campo
[protected]

I have been a Capital One credit card holder for over a year & made all payments on time. I applied for a Spark Small Business Card, was approved & received the card. When I went to activate it, I was asked to send additional info to confirm my identity. Although very strange because I am a cardholder already for over a year & was already approved for the Spark card, I forwarded a picture I.D, Social Security Card & a mail communication with my name & address on it. I was called again about a week later to verify my address with another document. I forwarded a copy of my Wells Fargo Bank Account Statement that included my name, account number, address, etc. I was called again to say that they could not confirm this info! All this after being a cardholder & having all my personal info on record with Cap One for over a year & already being approved. I could not talk any common sense with the representative in the Fraud Dept & asked to speak with the Manager of that dept. She was equally vague & could not answer my common sense questions or provide me with any sensical explanation. They would not activate the card. I would like to note the VERY POOR CUSTOMER SERVICE of some of your staff in that dept. I WOULD ALSO LIKE AN EXPLANATION OF WHY I WAS APPROVED, SENT THE SARD & THEN NOT ABLE TO ACTIVATE THE CARD!

I had three accounts that I was current with. There was a fraud on my account and my account was closed because a capital one representative made an error. I was told someone committed a fraud used my checking account which was attached to the card and had the card reissued to be sent to Michigan. Changed my address and other personal information. I've never been to Michigan. But instead of fixing the error they closed my account. I did nothing, no missed or late payments. I did nothing on none of my accounts.

I have been back and forth between Transunion and Capitol One regarding my credit card being reported Transunion. My name is Bruce M. Cody. My credit card # is:
[protected]. I have spoke 7 times to each company with no results still! I am trying to purchases a home for my family through the V.A. I am a 61 year-old 100 % disabled vet and don't want to wait any longer to get this rectified. I have contacted your CEO and others with absolutely no response. My next step is to call a local television station to ask them for assistance but. I am searching for my last straw through you.

Olia J. Rodney Jr. Loan # ES759744 1817 N Johnson St. N.O. LA [protected] or [protected]
I am totally disappointed in the level of customer service that I have received since I agreed to allow Capital One to finance my mortgage loan. I feel as though since the mortgage department is closing, no one seems to care about the customer. Initially I was told that my bills will be paid (not closed out) and I would receive $31, 000 in liquid cash so that I can do things such as pay off my daughter's medical school bills. Two hours prior to closing, I received paperwork that showed that Capital One took it upon themselves to add in the paying off of my Porsche for $30, 000 and that I would receive a check for approx. $700 AND all of my credit card accounts will be closed. This was all after I had already gone through 2 reviews for approval of the paperwork on the original agreement. In addition, once the title guy came out with the paperwork (that I totally disagreed with because the idea was to get cash to pay for medical school), he had my ex-wife name on the paperwork. My wife asked him if she had to sign papers since she was on the title but not the mortgage and he said "no". They also added my other land on the paperwork which shouldn't have happened. I was then told that all of the checks would be sent to me and I would have to send to the credit card co.'s Each day I was told that the checks were on the way. Meanwhile, my bills are getting further behind and late fees are ensuing. Today I received a call that all of the paperwork was incorrect and new paperwork would have to be sent out to me but Capital One is now closed and nothing can be done until Friday. Also, I cant receive a time of how long THIS process would now take (although I still didn't agree with just receiving $700-defeats the purpose of me getting the loan. It has been one problem after the next and I am asking that someone call me at [protected] or [protected] ASAP to provide some type of resolution. Preferably I would prefer to get my cash of $31, 000 as previously discussed without closing my accounts. However if the accounts have to be closed I would rather receive the cash as a priority as my daughter's medical school depends on this.

With absolutely no warning, I received a form letter from Capital One dated November 13, 2017 telling me that my "account has been restricted as of November 13, 2017" and that it "cannot be unrestricted prior to closure." Say what? I readily admit I had not used the card for a long while so I attempted to chat with a supervisor to explain the situation (we had retired about 3 years ago and needed to curtail our spending for a while to live off savings so we could maximize our Social Security benefits). I explained that I would be more than willing to use this card with greater frequency now that our incomes were increasing. Was there any flexibility on Capital One's part? None! All the supervisor could do was keep repeating the same stock phrases rather than answer my question about how it made better business sense to alienate someone who was once a good customer rather than retain a customer by offering them a way to demonstrate their intention to be a good customer again. I almost fell out of my chair when the supervisor suggested I could apply for a new Capital One card. When I asked, "Why would I do that when the bank is not willing to offer terms whereby I could demonstrate my intention to be a good customer by using the card I already have?" he avoided answering my question and just said, basically, "It's Capital One's way or the highway." All I was asking for is (a) that warnings be issued before accounts are unilaterally closed (I received no such warning!) and (b) an opportunity to demonstrate my desire to be a good customer again.

Capital One used to be very nice to deal with. Short wait times, helpful agents and a willingness to waive membership fees. For the past year they are just plain mean. The wait times for customer service are at least a half an hour and once you get a hold of someone they act like you are some kind of misguided beggar asking for a handout.

Yesterday one of my cards was declined which caused me a great deal of embarrassment and stress. When I finally got to an agent he told me it never happened.