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4.3 5156 Reviews

Capital One Complaints Summary

173 Resolved
849 Unresolved
Our verdict: With Capital One's very poor resolution rate, careful consideration is needed. Research their service comprehensively, and read up on how they handle customer disputes. If you face issues, be prepared for potential challenges in obtaining resolutions and explore other service providers as backups.
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8:17 pm EST

Capital One over limit fees and lates fees

I have been a customer of Capital One for several years and every now and again I have had to call and let them know that they have charged my account a fee that really should not be charged.
This is happening more often, especially since the decline of the banking industry.
A late fee or over the limit fee will show up on my account every month and every month I have to call and reason with them that my account is not over the limit and that the payment they recieved showed up two weeks prior to the deadline.
Now, they are very reasonable about it, but it is becoming very frustrating when I have to call them every month and remind them that it is illegal for them to be charging fees under false pretenses.

I highly reccommend that people avoid credit cards all together, especially in such uncertain times. unfortunately, corporate America has betrayed us once again.

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Trevor
, US
Jun 03, 2016 8:15 am EDT

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

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kad
, US
Jun 03, 2016 8:15 am EDT

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

ComplaintsBoard
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10:05 am EST

Capital One unfair treatment to staff

I’m writing on behalf of a family member who is absolutely destroyed now that capital one bank has taken over north fork bank. She is employed at a call center environment, with 60 plus calls waiting a day at minimum. With a service level of 30% when it’s supposed to be around 80% or higher. The minute one call ends, another one follows, without one second in between. Its non stop. They cancel morning breaks a majority of the time out of the week, it call volume is high. I feel It’s very essential that they receive all breaks due to the high call volume. The managers don’t allow u to have 2 seconds to your self. If there is a holiday or any given day where the calls are not as consistent there ready to send you home, using YOUR OWN voluntary unpaid time off. There’s a thing called compliance which you are required to reach a certain month to date average which is 93% or higher, and is nearly impossible due to reps having to limit each call to less than two minutes and two seconds, while assisting clients. Another issue is your penalized for using the restroom which is over there allotted time frame. You have to suffer if you are on the phone assisting a client and the phone call runs over into your lunch time which, for example is twelve noon and lets say the call ends at twelve ten, naturally your going to log off at twelve ten and return at twelve forty because your entitled to a half hour lunch break. Unfortunately at capital one bank because you went to lunch late you are considered late returning and it is deducted from your compliance. If we were to hang up on the customer it would be considered an auto fail, so they leave us no choice but to except it. The person that I’m speaking of is a very good employee, and has been working with the bank for three plus years. As we stated earlier she's been employeed with them ever since it has been North Fork Bank. She has never been written up or recieved any verbal warnings. She has kept a Great attendance and always meets the job requirements and expectations. I Come home every day and see this person mentally physically destroyed, this job is getting the best of her. It’s indescribable the amount of stress and depression this person has endured working with this company. This is not just a problem with this individual 80% of her co-workers have complained and I’ve decided to take further action in hopes to seeing some results. If neccesary, this person would be willing to give all her information to proceed further. thank you so much for your time, and i look forward to hearing from you.

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JDOUB
Dallas, US
Mar 16, 2010 12:25 pm EDT

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

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clackmannan
, FR
Mar 03, 2010 7:27 pm EST

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

;)

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E C in New York
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Nov 22, 2008 1:58 pm EST

North Fork Bank customer service sucks!

I now understand why it sucks.

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1:25 pm EST
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Capital One unauthorized billing

My wife and I made a small purchase with our Capital One Visa card that accidentally took our account slightly over our credit limit. Rather than deny the sale because it would take us over our limit, Capital One granted the sale because they wanted the business, then charged us a penalty of $39.00 (more than the over limit amount) and to add insult to injury... they immediately sent a derogatory notice to the credit reporting agencies... and guess what?... right in the middle of the mortgage process for our new house. I can understand the idea of not going over your credit limit and I can even understand being penalized for such a terrible transgression...but to then deliberately trash our credit report while collecting their excessive fees is beyond moral and typical of why the average American hates big business. We DID get the mortgage and we ARE closing our account with Capital One. Capital One... Definitely NOT in our wallet.

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Nannette
,
Jul 16, 2008 7:44 am EDT

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

ComplaintsBoard
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12:02 am EDT

Capital One capital one hires #!!!

Listen, capital one credit card customer service reps, especially the ones in india are #! So rude, so stupid and so arrogant!

Why do we have to outsource everything to other countries while we need jobs here in the us?

Capital one, you are greedy! It's all about profit, profit, profit! You don't care about giving customer service.

We hope that you go bankrupt soon!

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trevorlongisland
Jericho, US
Aug 24, 2009 12:38 am EDT

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

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

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

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

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

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

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

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

ComplaintsBoard
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11:57 pm EDT

Capital One capital one worst customer service

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

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

Capital one — that is karma for you!

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Sharon KEMP-SMITH
, US
May 30, 2016 8:43 am EDT

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

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racehorse
,
Oct 26, 2008 11:56 pm EDT

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

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

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

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Dearok
Palo, US
Oct 28, 2011 7:10 pm EDT

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

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katchattymn
Shakopee, US
Jun 22, 2009 6:25 pm EDT

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

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

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

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

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Joe
Sadieville, US
May 05, 2009 10:38 am EDT

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

ComplaintsBoard
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9:49 pm EDT

Capital One sue capital one for wasting time!

If your time is important to you, never use capital one credit card. They are the worst in the industry! For the 4th or 5th time in a few months, they have put a hold on my credit card for no reason. It is so embarrasing! I am waiting in line to pay the cashier at a supermarket and the card gets declined. I know that there is plenty of money on the card, so I called the customer service number. Guess what? I am transferred to india, where I could barely understand the customer rep's thick indian accent. I had to repeat my card number several times, then she argues that the number I gave is not a legitimate number. I said, "what?!" I am reading the card that you, guys issued me and I have been using this same card for years. Then, she puts me on hold for several minutes. Upon her return, I remind her that I am still holding up the line at the supermarket and people are starting to glare at me like it's my fault that my credit card is having problems. The service rep asks me to repeat the credit card number 2 more times, puts me on hold for 3 more minutes and then says that there is no hold on the card and for the cashier to try to run it again. For the 4th time, the store cashier runs the card and again, the computer screen says that the card is declined. I tell the service rep this, and she still insists that it is not on their end, but on the store's end. The cashier runs the card 2 more times. Same thing. I ask the service rep to be transferred to a supervisor and she says in "an-i-don't-give-a-crap" voice, "I can't transfer you until I exhaust all the troubleshooting possibilities. What are the last 3 digits on the back of your card?" I give her the number and she says, "that is an invalid code". Again, I shriek, '"what?! I am simply reading the back of my card and I have used this code and this card for years? What is going on?" she says (Amused), "hold the line..." again, I was on hold for several minutes, then she comes back on the line and said, "I don't see any problem on the card. Run the card again... Maybe this time it will work." I ask the cashier (Who at this time, is now glaring at me), to run the card one last time. Guess what? Card is still declined and the phone goes dead!

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capital one
Seymour, US
Sep 02, 2009 12:40 pm EDT

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

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B. M.
,
Oct 05, 2006 12:00 am EDT

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

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Kathy Dianne
Roanoke, US
Dec 21, 2013 2:34 pm EST
Verified customer This comment was posted by a verified customer. Learn more

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

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pierre tala
southgate, US
Feb 10, 2010 12:18 pm EST
Verified customer This comment was posted by a verified customer. Learn more

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

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intrepist
, US
Jul 02, 2014 8:51 pm EDT

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

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furiousatcapitalone
,
Oct 25, 2008 9:13 pm EDT

IF YOUR TIME IS IMPORTANT TO YOU, NEVER USE CAPITAL ONE CREDIT CARD. They are the worst in the industry! For the 4th or 5th time in a few months, they have put a hold on my credit card for no reason. It is so embarrasing! I am waiting in line to pay the cashier at a supermarket and the card gets declined. I know that there is plenty of money on the card, so I called the customer service number. Guess what? I am transferred to India, where I could barely understand the customer rep's thick Indian accent. I had to repeat my card number several times, then she argues that the number I gave is not a legitimate number. I said, "What?!" I am reading the card that you, guys issued me and I have been using this same card for years. Then, she puts me on hold for several minutes. Upon her return, I remind her that I am still holding up the line at the supermarket and people are starting to glare at me like it's my fault that my credit card is having problems. The service rep asks me to repeat the credit card number 2 more times, puts me on hold for 3 more minutes and then says that there is no hold on the card and for the cashier to try to run it again. For the 4th time, the store cashier runs the card and again, the computer screen says that the card is declined. I tell the service rep this, and she still insists that it is not on their end, but on the store's end. The cashier runs the card 2 more times. Same thing. I ask the service rep to be transferred to a supervisor and she says in "an-i-don't-give-a-crap" voice, "I can't transfer you until I exhaust all the troubleshooting possibilities. What are the last 3 digits on the back of your card?" I give her the number and she says, "That is an invalid code". Again, I shriek, '"What?! I am simply reading the back of my card and I have used this code and this card for years? What is going on?" She says (amused), "Hold the line..." Again, I was on hold for several minutes, then she comes back on the line and said, "I don't see any problem on the card. Run the card again... Maybe this time it will work." I ask the cashier (who at this time, is now glaring at ME), to run the card one last time. Guess what? Card is still declined and the phone goes dead!

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Ah Ha
Chicago, US
Feb 14, 2010 12:02 am EST

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

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jon101
Lynchburg, US
Dec 30, 2009 3:48 pm EST

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

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husseytmo
, US
Sep 03, 2009 4:18 pm EDT

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

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Nicole
,
Nov 20, 2008 7:19 pm EST

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

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

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

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

Good luck.

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1:24 pm EDT
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Capital One - unauthorized charge

Credit Inform placed charge against my Capital One credit card. Credit inform claims they received telephone authorization in July '08. I asked them to prove they had authorization through recorded conversation, ...ect at which time they terminated the call. I never autorized Credit Inform to charge my Capital One card for their service or have I ever spoken to them on the phone.

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6:32 am EDT
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Capital One terrible service and company in hole

I found a couple of charges on my Capitalone credit card that were not written in the terms when I signed in online. First one is Payment protection service. It charged me 1 % of what I spent on the credit card. I found this charge on my third day and immediately called [protected] to cancel the service, so the damage was comparably small and was around $2, but if I was too late, the damage could be insane. The more you spend, the more you pay.

Second one is Creditinform service which charged me $5.99/ month. I found this on my second month, and called [protected] immediately. The phone operator surely agreed to cancel and refund. It's been three weeks since then, but I haven't received the refund yet. I called them again and they told me that it is in process and takes around one billing cycle (it means probably a month, but they can't promise...) to refund. I recommend asking the name of phone operator, confirmation# and when you can get the refund.

If you got a Capitalone credit card, first thing to do is to call [protected](Payment protection) and [protected] (Creditinform) to cancel these things in advance unless you want these services. Don't forget to ask his/her name and confirmation#, and watch your online account at least twice a week to make sure that there is no other unexpected charges. The customer service was quite annoying. Probably the phone operators are paid for taking at least 5 minutes to tell you all merits of these services, so be patient if you can.

I am going to cancel this card. I can not trust them after these two unexpected charges and am tired to watch the online statement everyday and calling the customer service every week, too much work just to make it right. One more thing, their due date of payment is very random. I asked them the rule of the due date, but they could not tell it. If you enrol to online statement, they don't give you any notice and the due date just sneaks up randomly. I asked them to e-mail me to notify the due date though, the answer was No. My other credit cards do this though I didn't ask. That's another reason that you have to check online statement pretty often.

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GAconsumer-ndp
Cumming, US
Nov 23, 2011 4:21 pm EST

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

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Man
, US
Aug 05, 2010 2:44 pm EDT

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

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Harrypoudel
Parkville, US
Jul 05, 2011 7:07 pm EDT

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

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Shushine
, US
Jun 28, 2011 6:45 pm EDT

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

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Cooky138
, US
Nov 11, 2011 6:13 pm EST

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

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frank majewski
ft hunter, US
Jul 28, 2011 4:35 pm EDT

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

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Marty E. Ault
,
Aug 22, 2008 10:09 pm EDT

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

Thank you,
Marty E. Ault

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Jennifer Bishop
Newport, US
May 17, 2013 8:20 am EDT
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I had cancelled my card back in 2010 once it was paid off. They never cancelled and then proceeded to charge an annual fee along with monthly late charges. I have asked over and over again for transaction details being account is closed not able to pull of line and there is not one person at that company that will provide me with this. Now... they are garnishing my wages weekly in the amount of $141.00. Over $1500 in annual fees and late charges. I am not able to get anywhere with their customer service team and extremely rude every time i have contacted. Next step... Attorney Generals Office to file a consumer complaint. I have heard of them doing this to many people i know personally. Sad Sad Sad company!

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MARGIE PHOEBUS
,
Aug 30, 2008 8:27 am EDT

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

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Chas
,
Oct 06, 2008 6:15 am EDT

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

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10:40 pm EDT

Capital One unable to cancel

I cancelled my credit card with Capital one 2 months ago. However, I keep getting charged for payment protection, an outside company. If I went to use this card it wouldn't be accepted, but they will allow their sister company to keep adding fees! What payments are they protecting? The balance is Zero until they let this company charge me again and again

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janedoe83
, US
Nov 15, 2009 12:14 am EST

Actually if your balance was 0.00 then payment protection wouldn't of charged you, they only charge if you have a balance on the card.

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2:00 pm EDT

Capital One capitol one sucks

Earlier this year someone got my credit card info and tried to purchse something online fraudulently. A month later I got an email from capitol one about it. I called them and they cancelled my credit card and issued another card in it's place. When it came payment time I tried to do online banking but my savings account info was gone. I contacted my savings bank online and asked for the bank routing number. I made the payment but it was refused as 'no such account'. I contact capitol one and found out what happenned and the rep reversed my late fees. I went into my bank and found out the routing number was for wire transfers and was given the correct number for online banking. Now every time they get a payment a 2 week hold is placed on it. In July a rep got rude with me saying it was all my fault and hung up on me when I demanded a supervisor. I called back and complained about that and a supervisor made a notation on my accout to fix this problem. So, I just made my sept payment and the hold is back again. I'm so sick of their crap!

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Bob Steiner - the other one
, US
Jan 10, 2023 8:29 am EST

Not sure what happened, but Capital One is trash now. Customer service is awful - phone, online, email. Thought in-person would be better. Went to a branch, and it was even worse. Hard to be both incompetent and rude, but Capital One is. I do not trust these people with my money or credit information.

Save yourself the trouble and take your business elsewhere.

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Dan Webber
, US
Mar 03, 2017 8:56 am EST

I am trying to close out an IRA account and they are setting up roadblocks as well as charging me $75.00. They need to be investigated

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santanderbites
Beeville, US
Jun 28, 2010 2:43 pm EDT
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I have 2 Capitol One credit cards I've been attempting to pay off to no avail. I called their 'customer service' and of course was met by someone who can' t speak English. I asked him to close both accounts. One had been paid off by check, which of course had been converted to something on my bank statement that made no sense and the copy of the check disappeared. The other account had disappeared and there was no trace of it. I'd sent in the payment stub with the full amount. The payment stub didn't have the full account number on it. They've always taken my checks before but decided this one was special so the payment was not taken nor was the check returned nor cashed. As far as I'm concerned this account no longer exists if they can' t find a record for it so it can be turned over to their favorite collection agency and they can eat the loss. These people are idiots and parasites. I hope they go under along with all of the other crooks that have failed in the last 2 years and they can take Chase and Santander with them. There should be a law against the type of usurious theft.

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Capital One money stealing company

This company needs to go out of business! We hit a deer with or vehicle that is financed through them. Our insurance company made the check out to them and us. Their policy of course. They will not endorse the check and send it back so we can fix it anywhere we want. Their customer service is horrible they do not want to listen or help their customers what so ever. They just want to steal our money. I also did complain to the BBB and others should too! They are rip off artists and do not care about any thing.

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disgusted customer
Tyler, US
Aug 28, 2009 6:04 pm EDT

I agree they should be out of business! We had a van and were making payments on time however one month the payday didn't fall right and we were TWO days late. From that time they refused to discuss the account, refused payments we tried to make through western union quick collect and NEVER called, emailed or mailed us. Yet they called all our references and anyone else that they could find that knew us and let them know we were "behind and refusing to make the payments" . Today the van was repossessed and the repo man (thank God) was on top of things and stopped their attempts to file charges on us for "hindering a secured creditor" My husband has worked the same job for 30+ years and we mailed them a letter and changed the address online the one time we moved. Our phone numbers never changed. How could they accuse us of hiding the vehicle or not making payments and what else could we have possibly tried? This company is bad news and I would advise anyone to stay clear of them!

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Melody Lee
,
Nov 16, 2008 9:21 am EST

Had the exact same thing happen, but they convienced the insurance company to write a second check $6700.00 to them, Capitol One approved the body shops quote for repairs and agreed to pay them when the repairs were done. Once the repairs had been made and payment was due, Capitol One said they applied the check to the balance of my account. How can they do that my payments were up to date even though the car was in the body shop.

When I called them they said there was nothing they could do I would have to pay the repair shop myself, and that I had a payment due three days ago. I asked what did the insurance check cover, meaning what months, the lady said the check was put at the end of the note, that's why I'm going to have to keep making payments. They told me that with the insurance check was paid on the account my balance was less than $4000.00.

I went to the body shop and explained the problem, they called Capitol One and was told the same thing. Body shop is out over $4800.00 for repairs I don't have the money to pay for, body shop put a lean on the car, against myself and Captiol One.

Talked with several attorneys but they said there is no LAW to prevent the insurance company or Captiol One from doing what was done. Who interests am I paying insurance for, my intestment in a car or Capitiol Ones.

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12:40 pm EDT
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Capital One scam and lies

I recently received a "special offer" for 0% APR for 12 months from Capital One. The letter stated that if I used any of the three attached checks by the deadline, I would receive this low interest rate for a year. So I used two checks (both of which were attached to this letter).

However, when the transactions went through, one apparently came in as a convenience check and the other as an access check. So they started charging me a finance fee for the so called convenience check. The problem here is that it was not a convenience check. They came from the same stub, attached to the same letter. How can they come in differently? I even verified that I met all the requirements - use by date, etc.

So I called customer service and the woman was very helpful at first. She told me that I was right and that she would have it fixed. "Just check your next statement." Guess what happened?

I had to call a second time because not only did the balance not move over to 0% interest, but now they need to credit me the finance charge for the last two statements. The first woman apparently only "put in a request" and it was denied by the higher-ups. Was anyone going to let the customer know?

Now, I must call a third time to talk to a "senior account manager" because this second woman can't do anything about it.

The moral of the story: MAKE SURE YOU CHECK YOUR FINANCE CHARGES AND QUESTION FEES THAT DON'T MAKE SENSE. And here's probably the bigger lesson: don't ever use the checks that come in the mail claiming 0% interest b/c even when you read the fine print and everything is what it's supposed to be, they still get you. Though I will continue to try to get my money back, this "processing error" is a pain in the you know what. I wonder how many processing errors occur each day.

After reading about how unhappy the company's consumers are, I wonder how they are still in business - maybe they get the first time credit card holders. (They were my first, and after almost ten years, I'm still at the same interest rate (the 0% was too good to be true). My other credit card companies reward me with low rates for my good credit.)

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Update by Valerie
Sep 26, 2008 8:00 am EDT

Capital one is the absolute worst financial institution out there they try to devise ways to make you fail, I have been paying a car loan for five years without fail on time they then at the end of the loan lifr coun days you did not pay exactly on the due date (due date on the 8th of each month online banking sometimes takes a day or two to submit to them sometimes they would receive payment on the 9th or 10th at the latest falling well within grace periods allowed by all othee institutions now they say I owe an additional 87.00 bucks and I can no longer submit this final ### payment via online banking I have to send a money order to plano texas, what a crappy institution please if you are considering any business with them you should really re-consider, lets put them out of business!

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Lori
Rancho Cucamonga, US
Feb 08, 2009 1:32 pm EST

I have had a similar problem with this company. I was offered a 0% introductory rate for purchases and balance transfers until 2/2/09. I contacted Capital One to determine the exact date the 0% was good to and was told by the representative that a finance charge of 14.99% was being charged on my balance transfer and the offer for 0% was not good for the transfer. I asked to speak with a supervisor who then determined it was Capital Ones error and they should have processed the balance transfer at 0% so he transferred me to another person to get it corrected. The next lady said no that it was correct at 14.99% but then proceeded to tell me that the offer when I opened the account was 0% on purchases and balance transfers were the same a purchases. Which would be 0%. She told me I was incorrect and who ever I spoke to earlier misinformed me on the error on Capital Ones part. She then transferred me to another account manager who again told me that the rate is correct at 14.99%. She asked me if I had my offer paperwork and explained that I no longer had it but told her I was advised by two representatives that my offer was 0% on purchases and balance transfer. I told her why would I transfer a balance to a card that is 14.99% when I have excellent credit. It makes no sense. They have over charged me over $1000 in interest. I have been reading other peoples complaints and it seems that this company is scamming customers and when they are called on it they will do nothing to help. You have some reps that will tell you it is their fault and they will transfer you to someone who will correct it but when you get the next rep they blame it on the customer. I worked in credit for many years and would never dream of treating customers this way. Something needs to be done with Capital One and the way they are doing business.

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Capital One rip off

I have a personal loan with Capitalone. The payments come out of my checking each month, so they know they are going to get paid. There was an accident in front of my house and two of the family cars were totaled which made finances tight. I ask if they would defer a payment until the end of the loan. Do you think they would, of course not. They didn't even look at my account to see that I had been paying double on everything for over a year. They are uncaring individuals. I am very unhappy with them.

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1:56 pm EDT

Capital One fraudilent practices!

When I received a pre-approved credit card solicitation from Orchard Bank, it said nothing about annual fees associated with the card. So when I called to respond to solicitation, the first thing I asked an account representative was whether or not the card had an annual fee. I was assured it did not. I made it very clear that unless the card had no annual fee and the introductory APR was locked at 0% for the first 12 months, I had no interest whatsoever to open that account. Again, I was assured by the account manager on the phone that the APR was indeed 0% for the first year and there was no annual fee. I also stated I was not interested in any other bogus fees, like proetection insurance, and such. I stated that the only thing I want to see on my monthly statements, were my purchases, and nothing else - otherwise, I have no interest in the product offered. Lo and behold, when I got my first statement, annual fee of $39 was listed there. After calling the 800 Customer Service # being placed on hold for about 6 minutes, I finally got to a customer service rep. After hearing my complaint, she informed me that she needs to transfer me to another account manager. I then repeated my complaint to the account manager. She informed me she regretted I was "misleaded" (her words, not mine - unfortunately, the lady possessed very poor command of English language) and said she will go ahead and close the account even though they were "sorry to lose my business". I pointed out to her that if she was truly sorry about losing my business, the right (and ethical) thing to do was to deliver on their promise of no annual fee card and waive that fee. She said again she was very sorry but she could not help me in any other way. I asked he if she really thought that the bank was actually going to collect the fee I was promised not to be charged in the first place, to which she replied, "if you don't pay us, we'll report you to all three national credit bureaus". Great practice, eh?

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GLC53
Joliet, US
Jun 27, 2010 7:09 pm EDT
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Orchard bank has a great way of ripping you off. Their credit protection elite is nothing more than a scam. and trust me when I say this I am having this issue looked at legally. I have the protection and have always had it since I got the card. So I get some Hindu clown who stated by the way he was in the USA. What a crock anyway. I retired in 2008 from my job. In october 2008 I had to go back to work at another job due to my wife being disabled. I worked there till 03/15/2010. This is when the company shut down our operation. I filed this paperwork along with the unemployment proof and I get a letter stating retirement is not covered I filed on the unemployment not retirement and by the way retirement is covered it is on their insurance page so they lied!. But take a look at the protection elite page. This Bin Laden sounding clown states that on page 15 it states retirement I asked this idiot what page 15 I only sent in 3 pages. Any way I believe Orchard Bank (HFC of Nevada) are guilty of Bank and lending fraud. So Now I will talk to a lawyer and My Attorney Generals office here where I live. But trust me when I say I have proof that they are guilty of bank fraud. So now it is time to stick it to them and their associates. ENOUGH OF THE ORCHARD BANK RIP OFFS! CARD HOLDERS IF YOU DONT FILE CHARGES AGAINST THEM THEY WILL ALWAYS GET AWAY WITH THEIR ILLEGAL ACTIVITY.

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Capital One - abandoned property

I had a 3 year Cd with Green Point SAvings of New Hyde Park that expired in Feb 06'. I received a letter at the time that it would autorenew for 3 years with the new Bank at that time, North Fork. So, it would renew with a new expiration of Feb 2009. Since then this Bank was acquired by CApital One. I received a letter from CApital One listing this account...

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Capital One poor customer service

Rcv'd phone call alerting to fraud activity on my CAPITOL ONE credit card - when contacted c/s serv was constantly transfered around reps would not give me any info unless I went personally to my bank for verification of my identity - next business day went personally to my bank & contacted c/s serv once again was transfered around & each time was asked same questions to prove my identity which was an extreme embarrassment to me & employees of my bank - then was told need to contact back in 2 hrs because of technical difficulties. again contacted c/s serv 2 hrs later & again tansfered around again - recv'd nothing but hassels from the self proclaimed no hassel company.

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Capital One fraud and scam

I had been a customer of Capital One for quite sometime starting in 2000 and ending in 2004. The reason I ended the relationship was just that I wanted to get rid of the card, since it wasn't needed anymore. Well here we are in 2008 and I decided to obtain another credit card with Capital One. So I received my new card, made some charges and on pay day I wanted to pay a majority of the money back to my card, to keep my payments consistent. So I log on to Capital One's website and read the disclaimer at the bottom of the website, when I was making a payment, and it stated that if I made a payment before 3 pm EST, it would post the same day. Well that's what I wanted, and made the payment on Friday Morning at 6 am.

So approximately after 3 PM EST, I check the my account at Capital One to see if the credit had been posted, and sure enough the $120.00 dollar payment was posted, just like I wanted it to be, but wait a second, why hasn't my credit / payment posted to my available credit?

So I decide to check my bank account and sure enough Capital One has taken the $120.00 dollar payment and it has cleared. So I call Capital One up and talked with some person, sounded like out of the UK and explained the problem. He told me because it was a new account and I had made an over the minimum payment, that I had to wait 10 days for my credit availability to reflect. 10 DAYS... what is with that.

I asked him to transfer me to his supervisor, which intern, I had been transferred to another CSR. Then 45 minutes later of burning minutes on my mobile phone, The Account Supervisor had told me that the 10 day hold was in the contract on my credit card, which at that time while I was on hold, I took a read at the contract again, and it never disclosed anything of that nature.

She also explained to me, that there was a discloser on the web site that gave them the right to wait 10 days to clear the funds. Again I told her there was no such discloser on the web site as I was looking right at it while on the phone with Account Supervisor.

She declined to release my posted payment to my credit available even though the bank had free and cleared the payment and that they had received the payment. What is with that. I hate that these big out of country corporations give us so much grief, especially when you make your payments way ahead of schedule.

Throughout my life I have doubt with a lot of credit cards, that have never treated me this way, including Capital One back in the day. I would tell anyone looking for a credit card, to look away from Capital One and their idiocracy of WHATS in your WALLET Commercials. The commes of the credit card industry.

WHATS IN YOUR WALLET... Poverty One.

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planjane
apo, US
Jan 29, 2010 10:31 am EST

I have the same problem. I have a capital one card. I made a payment on Jan 26, 2010. Today is Jan 29, 2010 I checked my bank and the payment was taken on Jan 26, 2010. I look at my capital one account online and my available balance does not reflect the payment. The payment does show up but my available balance does not reflect this payment. I have written several letters and get a general response that says capital one "may" hold payments until they clear.

I wrote a nother letter and asked them has may payment "cleared" YES or NO?

I am still waiting a response back on this.

I just want my payment to be reflected in my available balance.

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9:49 pm EDT

Capital One switch scam

I requested a auto refinance loan and then I did not receive a denial, instead it was "referred" to Roadloans.com who charges 12% interest. I am guessing that Capital One gets a fee out of this, so maybe this is how the loan crisis began by turning people down who have good credit, so they pay a higher interest.

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js163154
Massillon, US
Dec 04, 2010 9:58 pm EST

I agree this is B.S. for you guys with good credit. However roadloans is a reputable company and provides a good service to guys like me with less than perfect credit. I will say cap 1 is getting shady the dont wanna lend for anything anymore like all the big banks they got their bailout and their not sharing.

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roaddog44
Locust Grove, US
Feb 25, 2010 6:33 pm EST

This is insane ! and really funny at the same time ! ... same thing happened to me today, as described by reddffox . Applied on line to Capital One for a auto refinance. Credit is strong ... same thing ... would get their decision in 24 hours ... Boom .. one hour later 4:15 pm ( log that time in) I get the email from Cap One ... declining the loan ... they would send a letter ( why not an e-mail?) with reasons why they declined.
Boom .. at 4:17 pm I get the Roadloans approval email.
Now, folks, I admit I'm not the sharpest knife in the drawer ... but get out of town .. even I know these guys are scamming. The funny thing is .. I would have thought somebody in the scam planning meeting, somebody with average intelligence would say ... na, they'll (the consumer) never go for this ! But, nnooooo, greed has these num_nuts blinded.
OK, here's how they play the on line scam: Cap One sends the email out to a huge list ( some call it broadcasting) They're fishing ... Boom .. got one ...

At this point, it was never intended to run the loan through Cap One ... (I believe reddffox when he says he has excellent credit) they're using their image as a large financial institution to push good credit and OK credit people to RoadLoans. They get a commission (percentage) of the loan... even if it's less than the 4.34 they scam with ... they still don't have to carry the paper. Free Money !
Think about it ... with all the spam that tries to get to you ... would you have responded to an unknown company like Roadloans ... filled out their application ... given them your fricken SS number ! NO ! No way .

Summary: Cap One and #1 Roadloans have a deal ... some where some how ... hey if they read this ... so, sue me.
#2 They have covered up their tracks like a cat in a litter box. You couldn't find the connection any better than a blood hound with pepper up his nose.
#3 It's a scam ... and hold the phone Millie ... even guys like me now know it !
But, it doesn't matter ... even the internet can't stop them ... how many people will come to this web site ? To them(Cap One and Roadkill) it really doesn't matter .. they play the percentages .. so many get hooked ..so many get away ... ... it's all free money ... the Banking community put us in the recession ... and we bailed them out ... the same idiots that screwed things up the first time are now using our tax dollars to scam us ! Geez, only in the good old USA ... what a country ! ... I love it. Being hosed by your own banker ... now that's real message.
Good Luck Friends ... we're still in the ground war and the bank idiots are our home grown IED's

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reddfoxx
Chicago, US
Dec 21, 2009 2:37 am EST

I agree. This is the second time Capital One did it to me.
They send me an email and they offer me a car loan or a car loan refinance.
Then they decline my online application and an hour later I get an email "offer" form RoadLoans.
Last time the RoadLoans called me and offered me some idiotic loan terms. I declined.
I guess they will be calling me tomorrow offering me the same exact bologna.
I have an average credit score close to 760 so I guess Capital One is playing some kind of a game here..
Naughty bankers, naughty naughty..

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clearblue
Weatherford, US
Dec 07, 2009 11:25 pm EST

I just applied for a capitol one auto loan and I already have a loan with them on a previous car that is almost paid off. I am going to trade it in on another car. They refused the loan for no reason. They say they will send a letter. This is very disconcerting since I have an excellent credit rating with clearly enough income to qualify. I wish others would post if they too have excellent credit and have been refused a low rate used auto loan through Capital one auto finance. This is a totally different complaint but I am wondering if they are going to pull the switcheroo the person complained about above.

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11:35 am EDT

Capital One terrible policies and customer service

After owning a credit card with Capital One for nearly 3 years and paying down a credit line in excess of 5, 000 (ON TIME) within a years time, my balance was finally paid in full! Or so I thought... I was always in the habit of paying my bills online, Capital One was no exception. The month following my final payment, I received a statement that showed I owed a balance of 3.85 with a late fee! I was puzzled and contacted their customer service department - located in INDIA...
While I have no problem with outsourcing SOME services, why would customer service be outsourced to a call center that only knows how to repeat a script and not deal with real problems?
After explaining my situation several times to the gentlemen, he explained that the 3.85 was the last finance charge owed on the account, and that he would remove the late fee if I paid the 3.85 balance that day - reluctantly, I did...
Two months later, I received another statement - showing I had owed .50 cents (for who knows what) with a late fees to boot! The total on my bill was now 49.00...
So, I called customer incompetence center..
Without even listening to my problem, I was rerouted to "collections" where a gentlemen proceeded to read me the script about how much I owed, how much was due, and how would I like to pay.
Calmly, I explained that I would not like to pay because the charges were ### and that the account had been paid in full 3-4 months prior and asked him to check his records.
Again, recited a script, asking me how I would like to pay and telling me my options when I rudely interrupted and asked to speak to a manager. Rerouted, holding, finally someone - nope, just another person who decided to tell me the same information over and over about how much I owed, etc.
After interrupting again, and explaining that I would not continue to repeat the problem, I asked to speak to a competent supervisor. Rather than doing that, the gentlemen told me that he would take care of the account, saw the problem and would zero the balance with no negative reflection on my credit - of course. (rolls eyes)
Three days passed, I logged on to my Capital One account online and saw that the balance was now 59.00.
Beyond the capability of patience, I again called the screw-you-over line for customer service...
After going through two people who I could not understand and who in turn, did not understand my problem, I was put on with a "supervisor". This individual explained to me that my account was zeroed out, but was still in the process of being closed. I was shocked, "Closed!?"
I was told that because my account was so overdue and all of the charges were late fees and finance charges, that in order for them to zero the account - it had to be closed. Part of me was overwhelmingly angry. After using their credit card, maxing out the credit limit and paying it completely down to zero, this is how I am treated? (believe me I will be checking my credit reports to see if this was a charge-off - although I was explicitly told that it would not affect my credit negatively).
But, honestly I am relieved and will never use Capital One again... Despite the 10 million solicitations they send out in the mail.
With so many people not able to pay their credit card bills right now due to the current economic state in the US, it is amazing that I was treated with such disdain. I truly hope that these type of management practices catch up with a company such as this. Next commercial I would like to see is the Board of Directors being attacked by whats in their wallet...or not in their wallet - and having to contact their own customer service department for help - Ha Ha Ha

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aruba steve
,
Jul 17, 2008 4:06 pm EDT

They continue to call me over and over and over and over. I asked them to contact me VIA mail.

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dccl
, CA
Jun 10, 2011 6:59 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I totally agree with every one that puts a complaint with capital one loan sharks.im in canada and we ran into trouble and we could not give the minimum required payment that they sent to use on the bill threw email.So we at least made a 150.00 dollar payment every month and more when we could so with the lousiest communication that i ever herd of it says on the back of the card the number is for USA and canada what a joke that is we phoned a number of a cations and capt getting this number for canada when i phone them the give me back the number on the back of the card.so that miens the right hand has no idea if the left hand is picking someones a? our something but they just don't now what is what with there own company.yes i angry that capital one is number one in ruining peoples life's now im going to take this idiots to court and plaster a blog on as many sites as i can find.

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Richard55555
, US
Mar 27, 2011 5:58 pm EDT

When you get a collection call just save the number to your cell phone
After saving go to edit details
Put no name, just the phone number,
For ringtone put NO RING
Save contact
From now on you will only get missed calls and no irritating phone calls from computer generated collection.
currently I have over 30 numbers
also make sure your family is on the DO NOT CALL LIST...because they will harrass them too!

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DBor
18804 Misty Shores Lane, US
Feb 18, 2011 4:55 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I suffered with these jerks calling me night and day. I kept telling them that the guy they were looking for did not live here, never lived here, and to leave me alone. They would promise to do so but then called the same day again. I don't and never did deal with Capital One, I don't know how they got my number.
Here's the solution I used, and it worked. Call you phone company and they will tell you how to block the number. There is a code to punch in after or before you call the Captial one number and it blocks every call they make to you! I'm sorry I forgot how to do it as it was several months ago, but this works. I know this is working because my Bright House shows incoming calls on the tv but the phone doesn't ring. It comes up as "800 Service" and I know that the jerks are calling again, but I don't have to deal with it anymore! Try this and you will finally get some peace from this relentless company! I will never do business with these people because of all the harrassment they gave me for no reason!

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hopeitsnotinyourwallet
, US
Feb 09, 2011 11:57 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I too am getting calls from Capital One, and have never in the past, not will I in the future, be a customer. Do they think I have control over a relative's business. How did they get my WORK cell phone number? First they would ask for the relative, now when I say hello, they hang up! When I called they said my number would be remooved in 2-3 business days. Not acceptible in my opinion. The manager I then asked to talk to could not do any better. When I told him I thought this was harrassment, he disagreed and said it was more like UNETHICAL! This from an employee! What's in your wallet? Hope it's not a Capital One card...spread the work to your relatives as well. If they miss a payment, they will let it be know to everyone in your family, cause they'll be calling anyone and everyone they can find!

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shmack3
Centennial, US
Jan 24, 2011 5:31 pm EST
Verified customer This comment was posted by a verified customer. Learn more

For many months I have been receiving calls from Capital One on my cell, at work, and at home from [protected]. I receive an automated message stating that Capital One is attempting to reach a James Patricky. I have had these numbers for a long time and do not know of a James Patricky. I also have never had an account with Capital One. Throughout this period I have asked them to remove my numbers from their list. I have been told by them that it would be done immediately, could take 72 hours, and could take up to three weeks. Every time I speak with someone and explain my situation, the person's attitude becomes very condescending, disrespectful, and rude. I have asked to escalate and they refuse to let me speak with anyone else. I have used the [protected] number as well as numbers from Capital One's website to try to get them to stop. All of my numbers are also on the National Do Not Call list, but this doesn't help. I would love to know how to involve the authorities to stop them.

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Robert(RDW)
West Covina, US
Oct 13, 2010 9:06 pm EDT
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Capital One has about 35 different phone numbers they use, my wife has been very ill and unable to pay her bills and since we have seperate finances in the same house the phone calls have been harassing me as well as her. I have been keeping records of Capital Ones phone calls for about a year so I know about the way they try to collect and the phone numbers they use. It is not worth the fight, I have a ring controller that is set up to allow family and friends to get through, no one and I mean no one else can reach me unless I decide to put them on the pass list. These units can be tricky to figure out but well worth the effort. Capaital One and GE Money fall in the worst of the worst.

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Jim_B
Fredericksburg, US
Mar 24, 2010 10:01 am EDT

It appears Capitol One is now using a tactic of calling from different numbers to bypass the system. I also have a list of numbers Capitol One uses to call from.

I started using my Droid cell phone as a tool to create a list of Capitol One's Harassing numbers. I add all these numbers to their contact info and have setup that any call coming from Capitol One goes directly to voicemail.
I feel that if we can create a list with all the numbers they use, others can come to this site and do the same as well as add any new numbers they come up with.

The first part of the list below is from one day of collecting the numbers from their harassing calls...

I have added all the numbers discussed from this page to the list. I request that when anyone comes to this page with a number that is not on this list that they make a post and add it to the list for all to use.

Just copy and paste all the numbers together into the new post.

[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]

[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]

Thanks

Jim

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Josephb76
New York, US
Feb 19, 2010 9:36 am EST

I've been receiving an average of 11 calls daily from a number...[protected]...on my cell phone. No messages ave been left o my voice mail when I have forwarded the calls to same. I answered it one day and the "bot machine" connected me when I said "hello" to a female rep that sounded Asian.
I asked what she wanted and she asked me for my social security number. I asked who she worked for and she stated that she was calling to offer me a promotion on my Capital One account. I told her that I wouldn't give her any personal info and tat I had received over 8 annoyance calls per day from her number. I also stated that I wanted te calls to STOP immediately, and I hanged up. This occurred last week on 2-15-10
Next day, the calls began again. They have continued daily and now average 13 calls per day.
I call this harassment. Where are the authorities in this? I'll be filing a complaint with the NYS Atty General next week. This misconduct is criminal and disrupting my life.

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Capitol Punishment
St. Louis, US
Feb 08, 2010 8:12 pm EST

Capital One is calling my daughter's cell phone daily. My husband called them once to ask them to stop. Whoever he spoke with after asking for her social security number (which he refused to give...) said it would take 72 hours. That request was made on 2-3-10.

We do not now, nor have we ever an account with them. I called our local cell phone provider and they blocked 5 of the numbers, but she continues to get calls from other numbers. They usually call two or three times and then stop. The calls start over the next day usually around 4 or 5 St. Louis time. Sometimes they leave a message that is cut off so we can't even what it is because it is a recording. She is in middle school and does not have any association with Capital One.

The following numbers have been calling her phone all calls are Capital One

[protected]
[protected]
[protected]
[protected]
[protected]
[protected]

[protected]
[protected]
[protected]

When we got her the cell phone over the summer we immediately put it on the no call list.

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3:49 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Capital One reimbursement for disputed charges

On Nov. 21, 2007, I purchased a round trip ticket through Expedia from RDU to HYS. My return flights on Dec. 11, 2008 were cancelled. Cancellations were weather related. Great Lakes Air and American Airlines (AA) re booked me with the same itinerary for the following day. However, the AA agent told me that because the initial leg of my flight on Dec. 1, 2007 was via United (RDU to ORD; ORD to MCI), United would have to issue the new ticket. I spent the remainder of the afternoon and a good part of the evening on the telephone trying to get this ticket issued. Out of frustration and desperation placed another call to Expedia. I explained to this agent that the first UA agent told me UA could not issue a ticket for another airline. Subsequent calls to Great Lakes, AA, and Expedia told me that under the circumstances UA could. Relaying this to the next UA agent I spoke with, he told me the ticket would have to be issued at a United counter and he could not help the fact there were none within hours of HYS. Although Great Lakes Airlines appears to be a United partner, this agent claimed Great Lakes could not issue the ticket (ultimately they did the following day and my itinerary says I flew United 5041, operated by Great Lakes Airlines). Conferring again with a Great Lakes agent, I was told they would accommodate me and fly me to DEN or MCI where there were UA counters (the agent confirmed I already held a reservation on their flight 5068 to MCI). Relaying this to the next UA agent I spoke with, he told me I did not hold a reservation on flight 5068, the flight was fully booked, but he could book me on a later flight. However, he was sorry to tell me I would not be able to make my connection on AA 4695, and I would have to be routed on other UA flights to RDU. I next called Great Lakes and their agent assured me I still held a reservation on flight 5068. It was at this time I called Expedia again and talked to an agent who was able to act as an intermediate, by simultaneously contacting a United agent. He told me United was not willing to accommodate me with the reservations I presently held because it was not in their financial interest. He told me United was willing to accommodate me with two itineraries, both with United as the carrier. I choose the one through DEN, even though the weather forecast was for freezing rain through the night. Safety, my disabilities, and recent surgery are another issue I won�t address; UA didn�t care and I wanted to get home. The Expedia agent relayed my choice to accept the flight through DEN to the United agent. I was told to check in at the Great Lakes' counter in HYS at least an hour prior to my flight.

I should have filed a complaint pursuant to my experience described above, but I had already expended considerable time and was content this ordeal was over, but in reality it had just started. When I received my Capitol One January statement, I noticed two charges on Dec. 11 to United, $649.90 and $15.00. This was the date my flights were cancelled; the day I was not even able to travel to the Hays airport. I never gave my credit card number to a United agent for these charges, nor authorized Expedia to do so (recall, the Expedia agent was my mediator; I never even talked to a United agent in finalizing my flights). I don't know how United was able to obtain my credit card number.

In addition to fraudulently charging my credit card, United Airlines violated the terms of their contract. Rule 240, section C 1 A in the United Airlines Contract of Carriage states that �UA will transport the passenger without stopover on its next flight on which space is available � at no additional cost to the passenger.�

Capital One violated the terms of their contract by not removing these fraudulent charges from my account. Initially their contention was the charges were legitimate because the service was provided (UA transported me on a flight). Subsequently, their contention is there was no fraud; I actually purchased two tickets with different itineraries and it�s inconsequential how UA obtained my credit card number or if the charges were made without my verbal or written authorization.

In trying to recover these charges, several contacts were made to UA:

1. There is an average waiting time of 30 minutes to speak to an agent

2. Agents have no authority, although you must tell every detail of complaint before being referred to a supervisor

3. Referrals to supervisors incur additional waiting time, or voice mail instructs consumer to leave phone number for return call

4. Return calls not usually received (I received only one after having left several messages)

5. All agents I spoke to in refund department with UA were difficult to understand because English is not their native language. Either my wife had to speak in my behalf, or we had to request another supervisor � more delays.

6. On March 7, 2008, via e-mail, UA issued an apology and offered me a $100.00 travel voucher on UA, but no additional refund or compensation for fraud or violation of contract

7. UA finally agreed to refund charges if I could provide proof flights of Dec. 11 had been cancelled. This information was provided by phone on March 11, 2008 by Great Lakes Air agent

8. On May 28, 2008 United only offered to refund an unspecified value of return portion of original ticket (original full round trip ticket was purchased for $554.20)

Having not received a refund, I disputed these charges with Capitol One because they were not authorized:

1. Pursuing dispute through Capitol One required at least fifty hours on phone and preparing and sending documents.

2. Every phone call requires navigating through several layers of automated menus, holding time, and frequent misdirected and dropped calls

3. There is no was to speak to the same agent after misdirected or disconnected calls, and the entire history has to be repeated each time (Capital One agents are prohibited to initiate outgoing calls)

4. Identical documentation and information was requested several different times

5. Although Capital One initially refunded these charges, following their �investigation� the charges were reinstated. In their analysis, the charges were not fraudulent even though documentation was provided substantiating I was using a previously purchased ticket in accordance with United Airlines Contract of Carriage

6. On May 28. 2008, after four hours of calls to several agents and departments, the individual agent I was speaking to at the time discovered I UA had actually issued a credit on May 6, 2008, but the credit had somehow gotten lost

7. This lost credit would take an additional seven to fourteen days to appear on my statement

8. My last balance on Capital One of $156.90 was due on June 20, 2008. If the credit was not found and applied to my account, I would be required to make a payment towards this balance

I have volumes of notes and documents, which I would be happy to provide in part or in full upon request.

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Capital One Customer Reviews Overview

Capital One is a well-known financial institution that offers a wide range of banking and credit services to its customers. The company has received numerous positive reviews from its customers, highlighting its excellent customer service, easy-to-use online banking platform, and competitive interest rates.

Many customers appreciate the convenience of Capital One's online banking platform, which allows them to easily manage their accounts, pay bills, and transfer funds from anywhere. The company's mobile app is also highly rated, with users praising its user-friendly interface and helpful features.

Capital One's customer service is another area where the company excels. Customers report that representatives are knowledgeable, friendly, and responsive, and that issues are resolved quickly and efficiently.

In terms of credit products, Capital One offers a variety of options to suit different needs and credit profiles. Customers with good credit can take advantage of the company's low-interest credit cards, while those with less-than-perfect credit may benefit from its secured credit cards or credit-building programs.

Overall, Capital One is a highly regarded financial institution that offers a range of products and services to meet the needs of its customers. Its commitment to excellent customer service and user-friendly technology make it a top choice for many consumers.

Capital One In-depth Review

Overview: Capital One is a leading financial institution that offers a wide range of products and services to meet the diverse needs of its customers. With a rich history and a strong mission to provide innovative financial solutions, Capital One has established itself as a trusted name in the industry.

Products and Services: Capital One offers a comprehensive suite of financial products and services, including credit cards, banking, loans, and investment options. With a focus on quality and variety, Capital One ensures that customers have access to a range of options that cater to their specific needs. The company's commitment to innovation sets it apart from competitors, constantly introducing new and improved offerings.

Customer Experience: Capital One prioritizes customer satisfaction, providing an exceptional user experience on its website. The user interface is intuitive and easy to navigate, allowing customers to access their accounts and manage their finances seamlessly. The customer support channels are efficient and responsive, ensuring that any queries or concerns are addressed promptly.

Account Management: Capital One offers robust account management features and tools that empower customers to take control of their finances. The online banking capabilities are comprehensive, enabling customers to make bill payments, transfer funds, and monitor their accounts effortlessly. The mobile app is user-friendly and provides a seamless banking experience on the go.

Interest Rates and Fees: Capital One offers competitive interest rates on its financial products, ensuring that customers can maximize their savings and investments. The company is transparent about any associated fees, providing customers with a clear understanding of the costs involved. Capital One's pricing structures are in line with industry standards and offer value for money.

Security and Privacy: Capital One prioritizes the security and privacy of customer information. The company implements robust security measures to protect customer data and maintains strict privacy policies. With a strong focus on fraud prevention, Capital One provides customers with peace of mind and offers dedicated support in case of any security breaches.

Rewards and Benefits: Capital One offers attractive rewards programs and benefits to its customers. From cashback rewards to travel rewards and loyalty programs, customers can enjoy the flexibility and value of these offerings. Capital One's rewards programs are competitive and compare favorably with those offered by competitors.

Financial Education and Resources: Capital One is committed to empowering customers with financial knowledge. The company provides a wealth of educational resources and tools, including blog articles, guides, and interactive tools, to help customers make informed financial decisions. These resources are easily accessible and highly useful.

Community Involvement and Corporate Social Responsibility: Capital One actively engages in community initiatives and demonstrates a strong commitment to corporate social responsibility. The company supports various philanthropic efforts and partners with organizations to make a positive impact on local communities. Capital One's sustainable practices further contribute to its reputation as a responsible corporate citizen.

Overall Rating and Conclusion: Capital One excels in providing a comprehensive range of financial products and services, coupled with an exceptional customer experience. With competitive interest rates, robust security measures, attractive rewards programs, and a commitment to financial education, Capital One stands out as a top choice for customers. While there may be areas for improvement, such as further enhancing the mobile app's functionality, Capital One's strengths far outweigh any weaknesses. Overall, Capital One is highly recommended for individuals seeking a reliable and innovative financial institution.

How to file a complaint about Capital One?

1. Log in or create an account: Ensure you are logged in to your ComplaintsBoard.com account to proceed. If you do not have an account, please register by providing the necessary details to create one.

2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to open the complaint form.

3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Capital One. Make it specific and clear, such as "Unauthorized Charges on Capital One Credit Card" or "Capital One Account Closure Without Notice".

4. Detailing the experience: In the complaint details section, provide a thorough description of your experience with Capital One. Include key areas such as:

  • Customer Service: Describe any interactions with customer support, including wait times, the helpfulness of the representatives, or any miscommunications.
  • Account Management: Discuss issues related to online banking, mobile app functionality, or problems with managing your account.
  • Fees and Charges: Mention any unexpected fees, charges, or discrepancies in your account statements.
  • Loan or Credit Services: If your complaint involves a loan or credit card, detail the application process, approval, interest rates, or payment issues.
  • Dispute Resolution: Explain the steps you took to resolve the issue with Capital One, including any communication with the company and their responses or lack thereof.
  • Personal Impact: Share how the issue has affected you personally, such as financial stress, credit score impact, or time lost.
Remember to include relevant dates, transaction details, and any other information that may support your complaint.

5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence with Capital One, statements, or receipts. Ensure that you do not include sensitive personal information like your social security number or full account numbers.

6. Filing optional fields: Use the 'Claimed Loss' field to indicate any financial losses you have incurred as a result of the issue with Capital One. In the 'Desired Outcome' field, clearly state what resolution you are seeking, whether it be a refund, correction of an account error, or another specific remedy.

7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is correct and that your desired outcome is realistically and clearly stated.

8. Submission process: Once you are satisfied with your complaint, click the 'Submit' button to officially file your complaint against Capital One on ComplaintsBoard.com.

9. Post-Submission Actions: After submitting your complaint, make sure to monitor your ComplaintsBoard.com account for any responses or updates. You may receive feedback from other users or even from Capital One representatives, so it's important to stay engaged and respond if necessary.

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Phone numbers

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