Capital One
reviews and complaints

Last Saturday--1.3.09--I called CapitalOne regarding letter sent that said their team was ready to offer options for improving the existing my account with a personal guarantee to:
--earn more miles or points or cash rewards than currently earned
--improve other features of account
--lower the APR
I spoke to Maria to explain to me if I were able to lower my APR--then what would it be? She refused to answer. I asked for a supervisor and Maria hung up on me. She called back and put me in touch with a supervisor who also refused to answer my question. She also terminated the call. I still don't hve the answer to my questions because when CapitalOne doesn't want to answer--they just hang up. I pay an annual fee for this service which I will not do anymore. CapitalOne does not participate in giving out information regarding your payment history either.

I closed my CapitalOne credit card 3 years ago. Every year i get a bill for my membership fee of $39. Every year I call and tell them I don't owe them money because I've already canceled the card. Every year they tell me they didn't close the card because there is a dispute on charges. The dispute in charges they are referring to is me protesting paying the membership fee from the year before. This is a seemingly endless annual cycle.

I was charged the Payment Protection Plan, when I never agreed to sign up for it. I called in on Sept. 13th 2008 to speak to a representative and they kept insisting that I agreed. I have been paying for a feature which I never wanted, and this was only brought to my attention because I went over the limit on my last statement, even though I sent in my payment.

I asked to close the card, i had to speak with 3 reps but finally i did it.

3 weekslater i discovered it was not yet closed ! I did the whole nasty procedure again
And now they need 2 months to send back my secure deposit

They will Harass you and charge you for it.My Lawyer told me not to answer the phone and in time they will give up.But he didn't say how much time, LOL. They filed a small claims case for 4 times the amount of my card limit and I agreed to pay them five dollars a month, and I will, at least until I move and leave no forwarding address.

I have tried for fifteen years - 15 years - to be rid of Capitol One - with no success. Every late fee payment means another late fee - regardless of how quickly the last late fee is paid.

I used my card three times in 1994 for a grand total of $125. Over the course of nine months I paid over $500 - nearly all in late fees.

Today, in 2009 - my phone rings no fewer than four times a day from a collection agency that wants to collect on unpaid late fees dating over 15 years. This is despite the account being paid in full - over and over again - and despite no correspondance from Capitol One - save applications for new credit card accounts - in over 10 years.

This is an out of control company that seeks profits from extortion, lies, and deciet.

They did the same thing to us at both my mother's and our grandbabies funeral. Telling them you are at a funeral does NO good. I hung up on them and within the 3 hours or so for the grandbabies funeral and the meal afterward they called me 14 times! i kept hanging up cause I was too upset to talk(the baby was 9 1/2 months old). Finally my husband just shut the phone off and boy did they let us know about it later. Saddest part is, we had made the payment and they had lost it.

My husband cancelled a Capital One Visa card because they did the same thing the day of his mother's wake. Our payment was received two days after whatever cut off they wanted it by. You have a grace period and this arrived the day after that. It was an account in good standing not a bit overlimit or in trouble. He must have forgot to throw the made out envelope in the mail for a couple of days because he was sleeping in the ICU lobby for a few days. They called the day of his mom's wake and when he asked them to either wait for the check in the mail or let him pay them by phone the next day, he could not handle this now he was at his mother's wake, they had the nerve to tell him his Capital One Mastercard payment had arrived, but it was one day over the deadline too, and that he would be reported to the credit bureaus etc. etc. unless he made immediate telephone payment by phone today etc. etc. He walked out of the wake for a moment to scream at these people in the hallway...They are explotative and non-human.Kelly

WOW! I CAN'T BELIEVE THIS!

that's so terrible. i'm proud of your son. he deserves a pat on the back and a big hug, not late fees and ignorant canadians.

tell him thank you :)

I recently added a personal bank account to my Capital One account in order to make an online payment. Somehow, the Capital One online banking system associated my personal banking account with my husband's business Capital One credit card, and allowed my personal bank account to show up as the primary payment option for the business online payment. The bookkeeper, never suspecting a change in the primary payment account, automatically selected the primary account for payment, causing a large, business size payment from my personal checking account, sending it into overdraft. The customer service rep would not even admit that there is a serious flaw in their website to associate a personal checking account with a business credit card (the business credit card does not even show up on my personal log in), and then said it would take 3-5 business days to refund the money to my account. Odd, how an online payment can be posted within an hour (and removed from my bank account), but a refund to my overdrafted account takes the 3-5 days. The representative, Victor, NEQ246, refused to let me speak to a supervisor, and had no remorse for the impact of Capital One's error. Absolutely pitiful customer service!

I was laid off my job in Jan of 09, and have been unable to find employment (like thousands of others) but managed to continue to pay my bill. I called Capital Ones Payment Protection Plan to get it to start making my payments. They told me I had to apply for their protection within one year of losing my job and that there was nothing anyone could do about it. So I am just out of luck. So I called Capital One (4 times) and was told how sorry they were that this happened & they could see I was a great customer and was never late on my payments, but they could not do anything either. The did refund approx $75.00 dollars to my account. Now they can add fees and ruin my credit and hound me into the ground for money I don't have and should have never had to worry about. I'm being punished for trying to be responsible and pay my debts instead of relying on others to cover my bills, even though I have been paying this premium for years. It's a very sad day for this country when companies are allowed to thrive off the backs of unemployed & sick people.

I have charges for "Payment Protection" on my last two statements from Capital One. I did not sign up for or otherwise request this service. I emailed customer service and received a return email stating that I needed to call the Payment Protection office at [protected]. When I call that number, I am disconnected before even speaking to a person. If I call the main number and ask to be transferred, the same thing happens. I've resigned myself to just paying off the card after next payday and cancelling it, but after reading other posts on this as well as other forums, I'm wondering what else they would try. Very disappointed in Capital One, especially after reading how the treated customers who DID sign up for the Payment Protection and needed to use it.

I just learned that after declining this "payment protection plan" (several times), I was enrolled anyway and Captial One has been taking the fees out for several months. Any actions against them for this practice yet?

I just got unemployed so I'm about to call them and see first hand how usefull this will be. Jim I will call you if any issue arise but I life in VA.

They did the same to my husband who had the payment protection also. He went a head and told them to shove the plan and made them refund all money paid to the plan.

Captital one payment protection is a total joke! Huge rip off! The people who work for them don't know anything and when you need to use it, they don't back you up! Biggest [censor] ever!

I was refused in 2005 when I filed a claim due to involuntary loss of employment. I applied for coverage and was refused. Due to a Class Action suit filed in January of 2010, Capital One has been honoring Payment Protection. I was credited $1213 on May 17, 2010 due to a "re-review." It was not prompted by me. The total amount refunded included the payments and other charges I would have incurred during coverage. Someone put a big foot in Cap One's behind -- probably a very intimidating guy or gal in a black robe.

I'd like to talk with anyone who has been ripped off by the Capital One Payment Protection Plan. Jim Dunlap, Attorney, [protected].

[protected]

Everything these people are saying is true! Capitol One is relentless! They keep calling and harrassing me! Ihey racked up just sent them $160 three weeks ago and now another $130 and they keep calling me. I have sent them $80 a month and they keep insisting that I am late! They keep racking late charges and that is how I got behind in the first place. I did not receive a statement one month and I paid my $80 they came back saying that was not enough even though I paid that amount routinely and did not even acquire new charges! They racked up late charges and now they keep calling me. The harrassment is unbelievable! I have told them not to keep calling and that any thing they had to say needed to be in writing! I do not answer their calls and refuse to do business with them anymore! The worst company I have ever dealt with!

my God, Capital One calls my house every hour and a half, starting about 8:00 am and ending about 9:00 pm, even all day on Sundays. I am in a situation that I am sending them money every month to catch up on a past due credit card (I was behind 3 months due to an unseen financial problem emergency) I can't pay them any more than I am right now until the spring and I am caught up on my heating bill ($600.00 this month!) They keep leaving me the same pre-recorded message several times a day from Karen asking me to call regarding an important business matter. How do I get the phone calls to stop! It is 6-10x a day, every day! I am paying as much as I can!

By the way, I failed to add to my last post. Capital One is calling me 8-10 times a day.

Oh yes. I spoke with a rep last week. I told them I was doing my best to catch up on my payments. I am sending them over $100 a month, but due to the fact that I got behind in the first place (due to financial problems), they are charging me a $35 fee for being behind in payments and then interest of $29, I am barely making a dent. This very nasty rep told me that didn't matter that I was still 3 payments (totaling $330) and that if I didn't pay it today they would send it to collection. A few months ago I spoke with a very very nice rep that told me if I continued to send in $92 a month I would be caught up in about 6 months and that would be fine. She also told me the late charges would be waived hence it would catch me up. When I tried to explain this to the rep last week, she basically called me a liar saying she had no record of it. I told her to go ahead and send it to collections because there is nothing more I can do then what I am doing now. She said "Well, whatever." Instead of her threatening me, why didn't she ask me if there was something she could do to work with me? I was a customer service rep for many years. If I had treated a customer like this, I would have been fired. Our company treated customers with respect and caring. Apparently these reps are NOT on the same page. I am done worrying about this.

More than 5 years ago, I asked my credit card company, Capital One Bank Mastercard if I could have a lower interest rate based on my good credit rating and never missing a payment. I was given a rate of 5.9%, and told that rate would be in effect as long as I held a balance and had no missed payments. I had a balance of several hundred dollars and never missed a payment.

I am now informed that my rate will jump to over 14%. They admit I never did anything wrong, they just changed their minds and need more money. In Feb of 2007 they did the same thing, having sent a notice that I would lose my 5.9% rate even though I was not at fault. My repeated complaints gave me the same reply- 'accept the new rate or leave'. Back then, my rate never was increased.

Thats why I was surprised to have this same trick threatened upon me again. Could it have been a threat of lawsuits or massive complaints that stopped the rate increase back then? Can we stop it this time? If not, I will pay off the card and say goodbye to Capital One.

I just received in the mail a notice that Capital One credit card interest rate is being raised to 29.4%, April, 2009. I am never late on my payments. They charge a yearly fee also.. This is criminal that these Banks/Credit Card companies can do this to their good customers after they received Government Bailout Funds from the Taxpayers of America. I am sick of the Corporate Greed in this country and upset that the banks and credit card companies are GETTING AWAY WITH IT!

I just received a notice today that my rates were being raised by 10% on my Capital One credit card. I have been a customer for about 8 years now with no lates or overlimit charges and yet they raise my rate by 10%. When I called and asked for the reason the person continued to give me a read response of due to market conditions... So what your telling me is that others are not paying their bills and since you have been paying yours on time for so long we figured we would let you help pay their bills to! This is not what they said but in a round about way what she was trying to say. Even after talking to a supervisor I was told to pay off my card and use the opt out and then in about a month to apply for a different card and I could get one of their promotion rates. What kind of BS is that.

Anyways after looking at Capital Ones home page new customers are getting rates as low as 9.99% well over what they are trying to change my rates to. This is ridiculous that they are doing this after receiving $3.55 Billion from the government. I can no longer continue to take the greed of these financial company's. They wonder why they got in this position this is why by purging the loyal paying customers and keeping the toxic ones. I am closing all my accounts with this company and will no longer have part in a company that does not care for itself nor it's customers. Their greed has deepened much like the oil companies hopefully our government will finally take a step back and let them fail to prove a lesson.

I had an overlimit fee in February 2009 due to a past due fee for January 2009, which was in turn due to the change in APR - from 14.99 to 23.15. They increased my APR because 'due to current economic condition'. Obviously, they think that we, the people who are suffering from job loss and cut back hours just to still be working, ought to pay for their lost in profits. This is my first overlimit and past due in more than 2 years. I try to keep my payment on time (automatic online payment) and more than the minimum.

While I would admit that it was my fault not to check the notification of the APR change, and I was fine accepting the overlimit fee of 39.00. My minimum payment that Capital One requested was $145.00. I paid $168.00. I thought that Capital One would have included the overlimit fee and the past due fee into their calculation of my minimum payment (which was increased from 73.00).

I just looked online tonight and saw that they have charged me another overlimit fee of 39.00 and my balance is indeed still $72 over the limit. I am not sure how they calculate this and am now trying to research this and figure it out myself, before talking to them.

I doubt that Capital One is doing anything illegal, but I believe it borders on scamming and robbing customers. Is there something that could be done to credit card companies from abusing their client base? It is obvious that something or some laws and regulations need to be administered to this credit card company.

Over charge, unauthorized charge. It's what they do best at Capital One.
They posted a interest charge on my account when my account has a credit balance of ($87.xx). They charged me $25.20 for having a credit balance.

Try file a complaint to www.bbb.org

yep, like you i was never late per capital one on my payments but my interest rate was also more than doubled "due to economic conditions". most months i never even carried a balance on this card. in march i paid full balance to avoid their higher interest rate. now, in april i am being billed more finance charges from the time my bill was printed until the day my payment was posted. per 3 different csr's, from a foreign country, i am suppose to call Capital One before i send my payment and asked them what the payoff amount of my account will be on the date the payment i am about to make will be posted. 3 different customer service reps told me this very same thing. wow, they must be psychic because they can tell me in advance how many days it will take my payment to reach them. perhaps i should have them help me pick lottery numbers. numerous times i requested to speak to an individual whose native tongue was English and was denied.

I understand how you feel about it. I wouldn't want my awesome apr increased either. As far as if a lawsuit is possible, unlikely since the ability to change your terms is in the orginal application. The ability is the same with most card companies. If you typically pay off your account in full each month, then you don't pay interest anyway. If you don't you might want to look into using your card like a debit card, putting your monthly purchases on it and paying it off in full each month. You will avoid interest and also if you have a rewards card, you get rewards for using the card...more usage, more money/savings in your pocket. Also capital one has 100% fraud protection which is better than most card companies and your bank. Also if you travel internationally, Capital One is one of the only companies that doesn't charge an international transacation fee (with other banks it's normally 1%-5% on top of each foriegn transaction that posts to your account) so that right there can save you a lot of money. Just some food for thought about different things your card can do to actually save you money.

yep...I got the same letter. Once I was late. Once. My husband carries a capital one card though, and he didn't get that notice!?! I guess the economy must not be so bad for him? Grrrrr! Yes...I will pay off my bill and tell 'em to stick it in their ear as soon as I can!

Dear Manager of the www.complaintsboard.com,
The above mentioned comment is totally unreal.
We want to know the personal information of the writer in order to sue to save our rights and also we ask you kindly to delete this comment if not please be informed that we may use our legal right to sue you too.
Regards,
GORDES CARPETS

Please, remove it from credit bureau
Thanks!

I was with Chevy Chase Bank for years and their online banking website was extremely well designed. Now I have been forced to switch to Capital One and they have the worst online banking website that I have ever seen. It is hard to believe that in 2010 this is the best they have to offer. All I can see when I go to pay my bill is what account I am paying it out of, as if many people have more than one account. I think to list the account one time is sufficient, but they list it besides each payee. You cannot view the payee's address without clicking on the "edit" button. Only one month popups when you click on the calendar and if you want to see your previously paid bills, you have to go to another screen and then remember what the amounts are.

I REQUESTED A NEW CHECKING ACCOUNT NUMBER...THEY TRANSFER THE FUNDS OF 1, 853...I ASKED AT LEAST 16 TIMES ARE YOU SURE THAT'S THE BALANCE I'M NOT SURE IT IS...THE BRANCH MANAGERS RESPONDS NO NO THAT'S THE BALANCE...I PROCEED TO PAY 2 BILLS BY CHECK...

THEY CALL ME 6 DAYS LATER TO SAY GET TO OUR OFFICE RIGHT AWAY! THAT WAS NOT THE RIGHT AMOUNT!...THEY NOW HAVE CAUSED ME TO BOUNCE YET WILL NO TAKE RESPONSIBLITY FOR THE ERROR..

I REQUESTED A NEW CHECKING ACCOUNT NUMBER BECAUSE THERE WERE 2 DEDUCTIONS I DID NOT AUTHORIZE..THEY WERE SNOTTY IN TELLING ME I HAD $1853 IN THE ACCOUNT...AND SNOTTY IN NOT TAKING RESPONSIBLITY FOR THE AMOUNT ERROR..I USUALLY KNOW WHAT MY AMOUNTS ARE, BECAUSE OF THE UNAUTHORIZED DEDUCTIONS I WAS NOT CLEAR ON MY CHECKING ACCOUNT BALANCE...AGAIN BECAUSE OF THEIR ERROR THEY CAUSED ME TO BOUNCE...

THE 176 BROADWAY BRANCH IN NY IS THE WORST.

Oh please. It honestly doesn't have ANY information about the returned amount? And you have no idea why the transaction was returned? It may have something to do with you not having enough for it to get paid. For example, if you make a large deposit and it is put on hold (something that is federally regulated, not by the bank itself) and a check comes through, it will be returned. And you will be charged a non-sufficient funds fee b/c you had insufficient funds at the time. It's your responsibility to make sure your deposit is completely posted and you have enough to cover your checks. So if you're pissed at anyone, it should be yourself, because it is not bank error.

Capital One is the worst bank I have ever dealt with. I am a small business owner that isn't getting a bailout from the tax payers. I was forced to close my business accounts because they were returning my checks and charging unbelievable fees for the privalidge of being my bank. In December, we only took in credit cards for payment (we had Capital One credit card processing) and I had to make payroll. The credit card payments had not credited to our bank account yet and they would not okay the payroll checks. My son went to the local branch to cash his check with the branch mgr. to okay the check and was told that I needed to find another bank because they would not help us anymore. i found another bank who wanted our business and closed all the Capital One accounts. yesterday I received a letter from the credit card retention department charging us 891.00 for early termination of our account. I called the number on the letter and was told I would have to pay 305.00 in fees. They took our bailout money and they are unwilling to help any of their customers. I hope all their customers close accounts and this bank goes under.

Capital One can't even keep their online banking site operational. Is this another case where they will be down for a week at a time? What a bunch of incompetents. Of course their executives will get bonuses for failure just like AIG.

They would much rather serve the illegal immigrants and those who do not speak english. Bank of America should be forced to change their name...

I have to agree with you the horrible service that Capital One provides. I have waited two months for the Aspire World Master Card and I called to change my address and inquire the status of my card. Apparently, they have already sent my billing statement before I even receive the card. If I did not call, I probably will never find out about the $120 fee that I had to pay before getting my card!

If you are only paying the minimum amount (say $15), the interest charges could indeed put you over your limit every month. Just my thoughts, good luck.

I agree with Davy. I was consistent with payihg my loan to COF that I took over be-
cause I co-sign for someone who lose there
job. I asked them to refinance for me be-
cause I'm retired and couldn't pay $471.00
amonth. Even they got help Nov. 14th with
$3, 555, 199.00. But still, they want bugg!
Will.

I went over the limit by accident for the first time (someone put a charge on I wasn't expecting). I paid the minimum due over the phone which I thought was okay. I made no new charges. The next month I was over limit again because the finance charge was added to my balance, an over limit fee and a phone fee was added. I paid more than the minimum ($23.30 more).

I was over limit again the next month because the finance charge of $24.89 was added. Again, another $39.00 charge. If I pay the minimum due this month, I will again be over limit. I know this is morally not right, but is this legally right? I will pay way over the minimum due this month to get out of this cycle, but this makes me mad.

Capitol One Credit Cards billings are manipulated and charged over the limit fees when accounts are not over the limit. The over the limit charge does however take you over the limit and hense another over the limit fee is then charged. This has been happening the past couple of months since I called asking the my interest rate be reduced. I was told it would be if I had no over the limit fees.

I have watched my statement carefully online and just checked the statement a couple of days ago and still had a small available balance. My credit limit is $5, 000. My balance now is $5, 021.76. It went over the $5, 000 limit when the $39.00 over the limit fee was charged on 10-25-08. Look at the balance and when the only recent charge was the $39.00 to see that my balance couldn't have been over the limit when my account was accessed the $39.00 fee.

I like other Americans are struggling to keep up. I try and make more than a minimum payment every month. These type of company practices are what has helped put this country and our economy in the state it's in. Why isn't something being down to stop them.

I have a capital one master card.I made a over the phone payment so it wouldn't be late. I wanted to use my debit they said we can't do that you have to use a check.Which they charge $15 to do. So I gave the girl my check # and she wrote the wrong # down.A week later I get a letter saying this is an invalid account.So I call capital one back and tell them they wrote the wrong check # down.So they had me do it again don't they write the wrong # down again. A week later the fraud department calls me.She tells me to call her back tomorrow.I called 29 times left 6 messages and this lady will not call me back.Than shortly after that I get a letter in the mail from capital one saying they have been trying to reach me to take care of this which they haven't.So I call again get the voicemail leave yet another message begging her this time to return my call.She never did so I filed a report with the bbb. That $97 payment owed is now a $300 plus payment.

you only go to 29.4 if you are late twice in 12 months.

29.4% is your new default rate, not your purchase APR. Read your letter again, or call in to have it clarified for you. I would hate to see you close your account over an APR you may never see (if you pay your monthly payments on time, etc...)

That sounds like a change in terms. I would call Capital One to clarify what is changing before you get more upset. Also Capital One credit cards hasn't gotten any government money like other banks have. Capital One doesn't do mortgage loans like other banks so, there is no financial strain on them like a regular bank. Change in terms like the one your got are not credit risk associated, so no fear there of that being the reason for the increase. Also as bad as this sounds, your good payment history would not prevent a change in terms.

The right to change your terms is in your orginial terms as that annual fee most likely was. As far as the annual fee goes, sometimes it can be waived, but considering the economy and the fact that the fee pays for the mantainence of your account, it's unlikely you will have the fee waived this year. If you have ever had it waived before, you are fortunate and should look at the years you have had the account, take the fee amount and divide it by the times you have had the fee waived...then the overall cost of your card is very minimal.

If you have not opted out of the change in terms yet, I suggest calling Captial One to get clarification on the change before you opt out.

CREDIT CARD COMPANIES HAVE GOT TO BE STUPID. IF MOST PEOPLE ARE STRUGGLING JUST TO PAY THEIR BILLS NOW, WHY WOULD A COMPANY LIKE CAPITOL ONE RAISE THEIR INTEREST RATES.I JUST HAPPEN TO BE ONE OF THE LUCKY PEOPLE AND THE ECONOMY HAS YET TO CAUSE A BURDEN ON MY LIFE, BUT I REFUSE TO BE TAKEN ADVANTAGE OF.I HAVE NEVER MISSED A PAYMENT OR HAVE I EVER BEEN LATE.I HAVE SINCE CANCELLED MY CARD.SO TO THE PEOPLE AT CAPITOL ONE I HOPE YOU FAIL, AND KISS MY A?

Capitol One stinks and I hope they go under! When they start treating their good customers like numbers on a spread sheet, then they deserve what ever happens to them. My interest rate was nearly doubled from one month to the next without warning. I since have paid off the card and canceled my card. I will never do business with Capitolist One again and have warmed all my family members and friends as well.

Gee. I told the banks to lend money on a 400, 000 home when the person only made 25, 000 (I don't think so). The problem these banks DON''T know what the value of the loans they made or bought in "bulk". Now they want to keep the money from the federal govt. and make thoses who have been making their payments on time to keep making them at a much higher interest rate (they want the honest hard working person to "bail" them out). Seems like the bail out for the banks is the average working person, who in turn make higher tax payments due to the so called bail outs that is supposed to loosen money. Do we really want 50% of all Americans filing for Bankruptcy? The problem is we have taxation without representation. In the meantime the Speaker of the House is going to Italy on a personal junket. There is not a dime worth of difference between the Democrats and the Rebublicans. Where is Harry Truman when you need him?

The only thing I would like to address is the "bail out." It is not actually such a thing. The "bail out" is in fact a loan, one that banks have to pay back, and with interest of at least 6%. So if the bank is borrowing at say 7%, does it make sense from a business standpoint to be charging customers less? Banks have to make a profit, or they dissolve. Do you really want the banks to go under and only have one or two choices of who you do business with? I certainly don't. I enjoy the choices I have for my banking needs, individually and as a small business owner.

Terrible customer service. I have personal and business accounts with Capital One. Every few months, I have to call in because I cant access my online accounts. Three attempted log ins and you are blocked. I tried entering forgot password. I am asked for my name, birth date, and account info. The system verifies me and takes me to the same log in page that I could log in to in the first place. On the phone, I give them all my information and they transfer me to another department "who can better assist" me. Then I speak to this department and they tell me to hold so they can transfer me back to that department. Then they try to High Verify me, but their VOIP technology is so cheap the line crackles while you try to enter in your password. Then you can use that system again (only 1 try allowed). They say they can send me a one time code to my phone numbers on file, but they then say they cant send the code to those numbers. This happens every 2 to 3 month. Capital One is CHEAP. They dont invest in CUSTOMER SERVICE or a proper web portal to log in. I bank with 12 banks around the world and only capital one has these problems. CRAP BANK.

Capital one charged me a $35.00 ISF fee. I was given incorrect information so I went to close my account. My account is closed and they said they mailed a check which I never received for my account balance. 20 days later and several calls on hold for 20+ minutes I still do not have the fund that were in MY BANK ACCOUNT!

On the 21st of Nov. 2017, I deposited a check in the amount of $10, 000.00 into Capital One Bank. I was told that, the deposit machine could not read the magnet numbers on my check and since my check was from Fidelity, there would be no problems. I logged into my checking account on the 11/25/2017, to try and make payments only to find my account in the negative status. I called customer service, and after a lengthy hold on the phone, i was told there was no such transaction. I immediately drove to the bank to find out what happened to my check.

I was told by the Capital One Bank branch manager, that the check is supposed to be at their back office, but that office said they did not have the check. She agreed with me that there was a deposit done on that day, but the deposit slip was left in their office and they did not know what happened to the check. She said they were going to investigate, but to my dissatisfaction, she did not make anything official, it was her word against mine. I then insisted that she should at least give me something in writing to show i lodged a complaint, she said there was nothing she could do, what she could do was to give me customer service number to call, to make the complaint. It was then that my husband called non emergency line for the police to come. We wanted to file a complaint but the police said he could not do anything since it was not a criminal case.

The manager then had to call another department to ask them what she should do, after we insisted that we wanted our money or some definitive answers. They asked her to make vector (their own terminology) complaint. At the bank we happen to call the payee to try and put a stop on the check, but we were told, the check had been cleared, by Capital One Bank on 11/22/2017. As at now capital one bank is not giving us any definitive answers, all they are doing is to charge us overdraft fees.

The Capital One Bank representatives, are so insensitive and do not care, all they tell us is that they are investigating. They do not care about our bills which are pass due now, or how inconvenient this situation is costing us. We are surprised that such an amount of check will be missing for 5 days in such a big institution, and how were they able balance their sheet for that business day? Amazingly the bank did not even have the slightest idea about the missing check until we called to question them about the deposit.

Approximately in 2017 which is 6 years ago I had a checking acccount with this bank and I closed it as they charged me every day nsf check charges and did not notify me by letter or any other way in a due diligence timeframe. I was so irritated I vowed I would never do business with that bank. They are now saying 6 years later in Nov 2017 I had a safety deposit box which was free and if I did I never got keys or gave them back and they say my contract does not state I returned keys as I did not sign! I did not like the manager and he is no longer there. Now 6 years later I get a bill for the box! I never used it andit was supposed to be free according to an assistant manager June and I briefly talked to Dee Hammond new manager who said she would investiga the issue! 6 years and no bill! I stated anyone can sign a statement and if I even had keys they were returned and the manager obviously did not do his job! Perhaps I never got keys. I know there is nothing in the box as I made sure everything was closed out when I left that bank over 6 years ago and vowed I would never do business with them

Capital One Bank needs to be pressured with Imminent (BK) Threats or Mediation Law and Procedures.
They are basically a giant collection agency. They purchase the distressed mortgage at Extreme Discounts from various key players in the sub-prime arena. They collect aggressively on this paper. They do not play by the rules and need to be pressed hard.

We have completed successful loan restructuring cases with Capital One Bank. They are all long run and brutal battles.

Feel free to visit our website for further details on avoiding a Pending Sale Date.
www.freshstart-mortgagesolutions.com or www.freshstart-legalnetwork.com
You may also call 1.877.297.7011

Good Luck Homeowners.

I make deposits at the local ATM and just happened to look at the balance. Twice now ( that I know of) I have seen there is a $100. discrepency...My new balance is one hundred dollars less ! Honestly, I never even checked this out before, assuming an ATM could not make such a mistake, but there it is in black and white. In addition to this, I keep getting letters saying they are holding part of the funds when I make a deposit and will MY money to me in segments ( WTF?!?!?) It appears that these are random amounts. A man I know lost his brother and many friends gave the family money to help with funeral expenses. Turns out his check to the funeral home bounced, and about 4000. of checks he received were 'no good'. He is checking to see if the friends banked at Capital One and had their funds "held", just as mine are. I feel like this bank is doing the same thing to everyone, that the amount of complaints is worth the money they make on these 'overdraft bank fees' and 'held funds'.
I am closing my account with them and taking my business and my money elsewhere. I am tired of standing in line behind a bunch of customers complaining about the same thing, and having the customer service reps nodding in agreement that it is a screwed up new company that bought out Chevy Chase Bank.

Capital One Bank arbitrarily raised my fixed interest rate from 6.99% to 15.9% despite the fact that all payments were made on time in the amount due.

They claim that a letter was sent offering me the option to decline the increase. I am absolutely positive I did not receive any letter because I was carefully reading every correspondance from any credit card companies.

If I had received a notice of any kind from Capital One, I would have responded immediately.

This Bank is participating in unfair business practices and should be punished.

All I have to say is that they are an impossible company to deal with. I have tried over and over to have some type of normal business relationship with these monkeys to no avail. They have mislead me, some representatives are outright rude, and frankly think they are being smart by making things difficult, but they are actually slowing the economy down by tarnishing people's scores sue to their bizarre business practices. I have never seen a more inefficient organization in my life and will never deal with them again no matter what! EVER EVER EVER EVER AGAIN!

A number of years ago I set up an automatic debit to my credit card account [protected] for on-line services to WSJ / Barrons. The monthly charge was $11.99. Earlier this year I canceled the service and WSJ confirmed that they cancelled the automatic debit. The description for the monthly debit was LIBREDIGITALAUSTINTX (note that it changed to this in December but previously it had a reference of Barrons). After a couple of phone calls, Capital One reversed all of the charges since I canceled the service on January 26 but they refused to provide me with any information on the merchant LIBREDIGITAL. I think that they should take some action against this merchant for erroneously charging my account. I am suspect at their lack of concern and inaction in this matter.

Suttell & Associates have violated the FDCPA on many counts in trying to sue me. One is that they are saying they are Capital One Bank when they are a debt collecting law firm. The debt they are trying to collect was charged off 2017, and they filed in 2017 as Capital One vs..., it is my understanding that legally they can not be both creditor and assigned the debt. Also, there were false payments posted for on credit report for 2017 and 2017 to keep debt active. S & A looked into my credit report without permissible reason. Also, S & A would not furnish more than a few statements with a high ballance, no beginning or end statements, claiming the Customer Agreement lets them collect with that, no need to explain. They never posted dispute on credit report. Also, supplied questionable affidavit from a Capital One employee to verify debt, but could not be contacted..even by S & A at an Arbitration.

I had a Capital Credit Card for many, many years. After several years, I joined their Protection Plan in case anything should happen. After being a longtime member of both Capital One and their Protection Plan, the Company that I was working for over 27yrs. (DEMACO) relocated to Melbourne, Florida. This was back in 1999.

At the same time, I was diagnosed with Parkinson Disease. So, being that I was unable to work because of the relocation and being diagnosed with Parkinson Disease, I called Capital One to let them know my situation and
and to get info on the Protection Plan so that I could see if they could work with me on my inability to make payments and to find out about the procedure on filing a claim. Well, lo and behold, I was told that I wasn't covered because I had a pre-existing disease and that the reason for my not relocating was NOT COVERED!

I was flabbergasted! I told them, well, according to the Agreement, I was told that if, in the future, I would be out pf a job, or an illness would develop, I WAS COVERED! I told them that at the time of the Agreement with them, I had a very good job and in great health. Plus, I was a member of Capital One and their Protection Plan, many, many years before I was out of a job or had Parkinsons. I told them, also, I'm not trying to reap you off! I want the services (coverage) that were promised to me. I made my payments every month to you, guys, through CAPITAL ONE'S STATEMENT, for many years, and now, you're telling me THAT I HA VE NO SUCH COVERAGE? THEN, WHY DID YOU MAKE SURE, YOU TOOK MY MONEY EVERY MONTH, FOR SUCH A COVERAGE?

I was given some MUMBO JUMBO about pre-existing disease and the same for the relocation of the job! I made several calls to them for a while, but in the long run, I never, ever heard from them. So, I put the Capital One Credit Account theough a Debt Consolidation Group, recently, and the Agreement was CANCELLED AND THEY KEPT ME MONEY!

I heard of some "CLASS ACTION SUIT" against CAPITAL ONE and their PROTECTION PLAN, concerning situationsd like mine. I hope that you can help me out because I live on a fixed income (SSI DISABILITY) because of Parkinsons and I could use some OF MY MONEY, WHICH THEY KEPT!

Sincerely,

Carmen Cambian
hotstuffmill@aol.com (email address)