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Capital One should join the circus. It has more tricks up its sleeve than any magician we know of. Its favorite is the low-limit credit card that, through sleight of hand, goes almost immediately into the over-limit category, piling up charges, fees and penalties faster than you can say abracadabra.
Besides the rap sheet to the right, there are these little annoyances ...
Laura of Bridgeport CA (01/04/09)
I called to find out why my credit card had been placed over to the collection department. Found out that my payment was late making my account over the limit by their charges. I called and told them that my payment was processing and I guess had not been received due to the holidays and asked that they reverse the fees so that it would come out of collections. They informed me that the only way they could do this is by me making an over the phone payment. I told them that I could not do that due to the fact that the $100.00 payment that I made was processing and if I gave them any more money it would bring my bank account ino a defecit and then I would have to pay a bank fee on top of everything else. They told me that was the only way they could help me. I told them that I did not believe that the supervisor could not override the system and help me out on this so that my account was not in collections.
The result in them not helping me with this issue is that I now am over my limit by more than my monthly fee and now that will result in a bad mark on my credit score which I am now trying to fix due to some other issues I had with an EX.I will never again use my Capital one credit card and will do everything I can to warn others. I am so so srry that I even applied for their credit, thinking that this was a step in the direction of a new future.
David of Nice CA (01/03/09)
I used a convenince check by Capital One Bank for a period of 0% after my first bill and payment I never recived a bill. The second month I didn't recieved a bill I managed to remember to make a online payment on time. The third month I didn't received a bill I forgot and managed to make a online payment 4 days late. The fourth month I recieved a bill charging me a late fee of $39 and now charging me an interest rate of 20.99% I beleive that the credit card co. deliberately failed to send me a bill so that I may forget, giving them the opportunity to slam me with late fees and high interest!!!
Teresa of Kalispell MT (01/03/09)
I received a letter from capital one COMPLAINING about how I was not using my credit card! I am a very responsible credit card holder and they dropped me in a split second just because I was not racking up a ton of interest!!! They are an awful company only out to make a buck. When I called to complain, they could not wait to take me off the phone and cancel my account because I was not spending enough money with them. I am on the verge of starting my own business and with these hard economic times I would think any credit card company would be happy to have such a reliable client who ALWAYS pays their bills on time!!! DONT TRUST CAPITAL ONE!!
K of In Nc NC (01/03/09)
I have had a capital one credit card for 10 years without ever having problem and always paying any bills. Well I havent used the card in a couple of years and all the sudden I get a letter saying my account was supended and it would close in 60 days. I called customer server to get them to reinstate my card and they would not! I ever talked to [someone] and he said that they had many complaints about this and have closed 100s of thousands of accounts! This was my longest open credit card and closing it will probably hurt my credit score!
Marci of Sandwich MA (01/02/09)
I have been unfairly charged overlimit fees on the same purchase. On November 28th a single purchase of 113.00 brought my balance over by about seventy dollars. An overcredit fee of $39.00 was immediately charged. When I paid my November balance, a minimum payment was shown of forty dollars. I paid more than the minimum, however, I did not see on the payment page any further amount due. My next statement charged me an additional thirty nine dollar overlimit fee. This is for the same overcharge that I have been penalized for.
When I called the company, first the employee refused to connect me to a manager saying that they would explain the same fee procedure. When I insisted, the manager refused to credit me for the second overlimit fee. There is no need, according to them, to show the correct amount due. I have other credit cards, and if there is an overcharge it immediately shows on the payment due.
I believe i should be credited for $39.00 and this company needs to improve their system of online information so that a customer in good faith, making an ontime, online payment, can know the amount due that avoids any unnecessary and duplicate penaly fees. I am multi penalized with fees and the amount due has been increased by $78.00 with two fees.
Parrish of Silver Spring MD (01/02/09)
Some time ago, I had three credit cards with Capital One. Due to disability, I became unemployed in January of 2004 and was unable to work for eighteen months. The cards went into collections and were charged off in the Summer of 2004, with the resultant impact on my credit. That's just my tough luck.
However, Capital One makes a habit of re-reporting those charged-off cards to the three credit reporting agencies every month. There is no need for Cap One to be doing this because there is no new information on any of those accounts since they were charged off over four years ago. The problem is that Capital One's habit of re-reporting the accounts harms my credit. My Experian FICO score, for example, dropped forty points last month, and my identity theft protection service explicitly told me that it was because of Capital One contacting Experian and saying, essentially, This is still a bad debt from four-and-a-half years ago.
Since I was able to return to work in the Summer of '05, I've been working very hard to get my life back on track. Rebuilding my credit is obviously an important part of that, and Capital One's behavior is preventing me from doing so. All my FICO scores are still in the bottom five percent in the nation because Capital One keeps knocking them down. I almost feel like I'm being held hostage.
Louis of Airmont NY (12/31/08)
I signed up for a cash back Capital One account on their build your own credit card site. The card promised 1.25 points for every dollar spent. This sounded like a good deal, so I signed up.
To my surprise, they played a slight of hand on the amount of points needed to get cash back. Most cards provide $100 for 10,000 points however this card only provided $75 for 10,000 points. So they provided the illusion of getting more points, but actually provided less money back.
To add insult to injury, I was charged numerous fees after missing a payment deadline by 2 days. Since I always pay my balance in full, I was more distressed to learn that they would only refund the late payment charge and would not give me a break on the interest charge.
Then due to my own foolish mistake, I double paid them on the closing balance - once after closing the account and again a few weeks later when I received a statement.
I just found out that the refund check will be sent withing 30 business days. I tried to complain to a supervisor to no avail. They owe me in excess of $1,000 but will receive an interest-free loan for over 30 days!
I told them I'd like to charge them 14% interest for the money they are taking from me, but they had no reaction to my comment.
Needless to say, I will not use Capital One again.
Jack of Rio Rancho NM (12/31/08)
I ordered a Foreclosure Package a year ago September. My wife sent it back thinking we got it in error. When I got the bill I called and told Capital One I didn't get it. 3 months later the package shows up at my address, my wife sent it back with a receipt from the Post Office. Capital One refused to give the credit for the package. Over $400. My wife pays her credit card on time and the interest rate keeps going up, now a 27%. They claim they review the account to lower the rate but they never do.
I had to pay for a product I never kept or had use of. The high interest rates affect our credit standing. What is needed to reduce interest rate. They say that you can reduce your debt by use of the card and then increase the rate. They are fraudulent
Tina of Albuquerque NM (12/31/08)
I had opened an account with capital one many years ago. The allowed unauthorized charges on the account, which led to my account being maxed out and I was not gonna pay for something I did not do. I received a summons from a man that came to my door yesterday. It claims that the attorneys Farrell and Seldin are suing me on behalf of Capital One.
The summons looks like it is from the second district court, but there is no court date on it and there is a page contained in it that says If you oew the money and would like to arrange to pay the debt, please call our office prior to the Court Date. This may avoid the necessity of you appearing in Court. This is an attempt to collect a debt and any information obtained shall be used for that purpose. This communication is from a debt cllector
Now, as far as I have learned from the Fair Debt Collection Practices Act, it is illegal for them to do this to me. In 15 USC 1692e it says that The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false im pression as to it's source, authrorization, or approval.
I have been caused undue stress becuse I am unable to pay to file an answer to this summons and I am worried about what may happen and what I need to do about this. At this point they gave me 30 days and the man who gave the summons to me said that I don't have to go to court, to just call the number. I did and no one answered the phone.
Peggy of West Portsmouth OH (12/30/08)
I sent in two payments - same envelope-to Capitol One Card Services- sending them express mail through post office. The express arrives on my due date of payment, yet Capitol One would not post my payment until the next business day, not giving me credit for payment being there on time. They charged their excessive late fee, and when I tried to talk to someone regarding this, they were BEYOND EXTREMEMY RUDE! Are there nor english speaking people anymore at these companies?
When I did finally talk to someone in charge, I told them I was going to report this to consumer affairs and Attorney General's office, and Better Business Bureau, I was advised Do what you have to by Capitol One rep. They were not willing to work with me, even though I had the proof it was received. I have never had trouble with any of my other card companies. Capitol One, as far as I am concerned, gives false advertising on TV -
Late fee, over-limit fee, frustation by consumer, made my blood pressure go through the roof!
Carol of Cape Coral FL (12/30/08)
Capital One is my sons only credit card and Capital One suspended/cancelled because it has not been used since July 2007. My son is a soldier stationed in iraq. In 2 months i will be returning to the U.S. and be given leave to visit family. Because Capital One suspended his only credit card he will not be able to book his flight home. He called capital one and spoke to a Sr. Acct mgr and explained why the acct was not being used because he has been stationed out of the country for the past 15 month and they were not willing to reinstate his card.
Kathy of Midwest City OK (12/30/08)
I made two payments on my account in November, one for $239.77 nov. 5th and one for $252.62 Nov. 19th. When i got my statement at the end of Nov for a $7.25 balance and a $7.25 minimum payment due dec. 17th I ignored it because in my mind I was paid ahead. Boy was I wrong. They immediately slapped a $39.00 late payment charge on my account and then Dec. 26th started calling my house with courtesy calls telling me I needed to make a $52.32 payment. I tried talking to this man but he was for India and I could not get through to him that I had paid my payment early. He just kept saying you have to make a payment. I finally told him ok I would through my bank. I sent Captiol One $75.00 through my on-line bank.
On Dec. 29th I get another call while I'm in the shower. At first it is a recorded message stating that I had a late payment and that I had promised to make a payment and I had not. Finally a person came on the phone wanting me to verify account number etc. I tried to tell him that he (again from India) I was in the shower, I was not going to verify anything, that he had called me and that yes, I was the right person. What do you want. He said he could not hear me. At that time I hung up.
I called the customer service number back when I got out of the shower, immediately goes to India again. The representative says he can't hear me. Hang up and call again. This time I get an English speaking person on the phone. I ask the representative why all the phone calls over $7.25. He says he wants me to pay $52.32. I told him I had paid $75.00 Friday, he said he don't show that yet. Well, my bank shows it was deducted on Dec. 26th. I told him that I had made the two payments in November and had never been late with a payment before. He said you can not pay early on your account, but if you do not pay your minimum on your bill each month even if it is only $1.25, they will charge you $39.00.
Seems to me that is double jeopardy. They are charging me $39.00 for not making a payment, then calling me to pay my January payment as it turns out for $52.32 in December. Want that cause me another $39.00 when they don't receive a payment from me in Jan. because I paid it in Dec. I am closing this account. I have been with them for years and this is no way to treat a customer. They are making me feel like a criminal.
Today, Dec. 30th when I received my Jan. statement there is a big message on top of the statement that say Whoops your're behind by 1 payment. IT COULD HAPPEN TO ANYONE AKE SURE YOU PAY THE AOUNT DUE ON YOUR STATEMENT AS SOON AS POSSIBLE. The amount due on my statement is $52.32 with a due date of January 16th. I'm so sick of being treated like a criminal that I will close my account.
Daniel of Los Angeles CA (12/30/08)
In August of 2006, I paid off a balance of $5000.00 dollars on my Capital One card. At this time I discontinued use of the card. In November of I told the company to close my account, because I was dissatisfied with the way they did business. I assumed that the account had been closed, and I did not receive any more statements from Capital One, only offers for more credit. In April of 2008, I received a call from a company (don't recall the name)asking to verify a purchase of over $2000.00 dollars. I told them that I had made no transaction and that the account should have been closed. They told me to contact Capital One and find out what was going on. I did so and spoke to a lady who took all of my information when I explained what had happened. She was very helpful and I thought, That was easy!
Well to my dismay I began to receive statements from Capital One asking me to make payments on the balance which was almost $12,000.00 dollars. I contacted the company again and was assigned a Mr. Mytear J. to help me with the case. It took me a little while to gather all of the evidence that I had to send to him. It took a while to research through what paperwork I had. As I examined the purchases I saw that there were repeated purchases, 3 times in one day to the same Target store, usually around the same amount, a little over $300.00 dollars each purchase. This was done over and over for weeks. Including a major purchase for over $2000.00 dollars. I was never called from Capital One to verify this crazy pattern of buying. Nor did I receive any invoices to the effect. And, I never received any kind of response from the person supposedly handeling my case, even after repeated letters to him.
The weeks went by with no response from anyone. So I called again, and again I found that no one had done anything. And again I was asked to give all of the information that I had. It took another couple of months before I heard anything from Capital One. This time I received a statement with an amount of $5,810, and again I was asked to make payments. The crazy part of this is that I never received any kind of invoice up until the time that I reported the fraud. And, also like another person on this site commented. Who ever committed the fraud, that person was also making payments, which I never received or have seen. That person also raised my credit limit and got a pin number to withdraw money from the ATM. I don't know how this was done, because I still have the old card in my possession.
I cannot believe that so many people have had similar experience with Capital One and with the same outcome. This is very very wrong. A major investigation needs to get started.
They have literally ruined my credit. Some card purchases have been denied (American Express) and my credit limits have been reduced to $1000.00. I recently tried to get a loan from my Credit Union and was initially denied. It took two months of proving to them that I was a victim of fraud and that Capital One had done nothing to remedy the situation. I have filed a complaint report with the Federal Trade Commission and am in the process of sending others.
Michael of Bedfrord TX (12/30/08)
I have an Auto finnced with Capital One Auto Finance. payment is due on the second, I am usually about 10 days late. They call me 20 -25 times a day, leave no message and sometimes hangs up when I answer. They have left messages with nothing on there but them breathing or doing whatever. They call all day everyday. I thought that is illegal.
I cannot work, meetings conference calls. Whatever I do they call and call and call and call. Sometimes right after each other. I am going crazy. Please Help
Ashley of Savannah GA (12/30/08)
I got a letter in the mail last November saying that I had been pre-approved for a Capital One credit card.I used the card but didnt charge up to the limit. The first bill I received it was over the limit due to a membership fee,and then an over the limit fee. This is where it all began!! I lost my job and was not able to make the payment on time. But I did make the minimum payments they had listed on the statements (when i received a statement). Some months i didnt even receive a statement and had to call to ask. The excuses i received was wrong address, statement late going out,etc.
The harrassing phone calls began everyday beginning at 8:00am till 9:00pm at night. This November my grandmother began helping me out to get this paid off. She called and made a phone payment but the manager in Canada left a number off her checking account and the payment was returned due to invalid account number. My account was charged for the payment amount, a returned payment fee, and late payment fee. We were able to get the late payment adjustment taken off but they refuse to take off the payment amount she had made because they claim they didnt receive it even though we have proof on the statement they did receive the payment after my grandmother called back and gave the information again.
We have talked to customer service in India on numerous occasions without resolution and although we have talked to a couple of decent managers for the most part they have lousy cs skills. We are writing a letter to CEO Rich Fairbank.Now they have suspended my account. But I haven't been able to use it since the first month I have had the card with them. I think something needs to be done about these people and what they do to others.
Amanda of Standish CA (12/29/08)
I have credit cards, and have been having complications for a while now. I have been attempting to deal with this company on my own and it is getting more difficult. They latest issue is that I entered into a Hardship Agreement with Capital One, on their terms, and I held up my end, however they did not abide by their own terms of the Agreement. I have tried to discuss these issues and get the accounts corrected. I have been told that my accounts would be escalated to supervisors, and that the supervisors would be calling me. I have been expecting their call, but this morning, a collection agency called me to collect on the debt. I have not had a call from a supervisor.
I also found out today that the respresentatives that I have dealt with have not been documenting properly, therefore I feel that my rights are being violated, per the Federal Credit Reporting Act. Capital One has been fraudelent with dealing with my accounts, and it is now affecting my credit as well. I am being negatively penalized, because of the actions of Capital One. I do need an Attorney to help me please. I am fighting to keep my head above water here, per say.
I do not want to have to file Bankruptcy because of Capital Ones poor business practices. I feel that they should be accountable for their mistakes they have made. Not to mention the lack of communication on their part. I appreciate any assistance that you may be able to offer me regarding this time sensitive matter.
Including but not limited to: Wasted Finances Derogatory Credit Reporting Denials for home refinancing due to fradulent credit reporting by Capital One I am not able to afford utilities, due to the outragous fees mistakenly placed by Capital One. I am clinically depressed due to the complications with Capital One.
Ginger of Saucier MS (12/29/08)
received a text messageat 9:17am Dec. 20, 2008. Message reads as followed: YOU NEED TO VERIFY YOUR CAPITAL ONE ACCOUNT (UNUSUAL ACTIVITY), CALL AT 877. I do not have a capital one credit card. I'm not saying captial one are the scammers, but, whoever it is is using their name. Did I call? No. Did I text back? Yes and it came back rejected. Some people might though call the number and do as they request.
Sherri of Winston-Salem NC (12/29/08)
My account was suspended without notice as well. I haven't used it in a couple of years due to being responsible with my credit. I needed to use it at the first of the year for business purposes/cash flow and I got this letter they were suspending effective immediately.
I called about it and it was obvious they didn't care and no longer wanted my business. They did suggest that I reapply for a credit card. That does hurt your credit and it is unfair for them to penalize you for being responsible. They could have given notice. It will penalize you for having a new account and for the inquiry.
I need to do a refi soon and will have to have this inquiry and now I will have to open a new credit card for emergencies but I won't use Capital One.
Jamie of Calgary AB (12/28/08)
I have paid my monthly payment to Capital One (personal loan) on time regularly for the last 4 years. I recently sent a check for $1600 to payoff the account. The check was not getting posted to my bank account so I called Capital One to find out the payment address had changed, as well as my account number. The person I spoke with said I should wait another week to see whether it gets posted. If not, I should cancel the check and courier a new one (by this time it was 8 days late). This is what I did and I had the check tracked by the post office.
The post office said the check was delivered on the 12 of December, it is now the 28th and it still has not been posted. After speaking to about 5 other individuals from Capital One, I asked to speak to a supervisor at which time I was told a supervisor would be calling me with 7 days. I asked the individual for the supervisors name and she said no name. Apparently their supervisors have no name. Its been 7 days and no one has called me.
4 individuals told me this would be sent to the credit bureau, 1 said it would not because of my complaint. I haven't checked, but I'm sure this late payment has been sent to the credit bureaus.
Charlene of Springfield OH (12/28/08)
they are not sending me statements and when they did i noticed about a $7oo.oo in interest charges from april of 2009 until september 2008. in april it was $400.00. as to my statement in september 2008 it was over $1000.00 and oct until now i have received no statements
Renee of Baltimore MD (12/27/08)
my card was 2,050.00,the next mouth it went to 2,123.00, and now today it's 2,303.59,in just 3 months with two charges of 39.00,and now a member ship fee of 19.00 a month.At Capital one credit cards.
William of Eureka CA (12/26/08)
Going on line to make a payment on my vehicle loan. I have a statement in hand that reads I owe $160.34. On thier website it says the amount due is $239.40. I tried to make a payment of $200 and it wouldn't accept anything less then $239.40. I called customer service and was told that you can only make the minimum payment amount on the website. I asked them how much I had due and they said $160.34. So I asked why does the site say $239.40 and was told that was what I contracted to pay each month and the fact that I owed less than that this month means I would have to find another way to pay.
Their site tells you you owe more then you actually do and won't let you make any payment under that amount no matter what your actual amount due is. I pay more then my monthly payment each month, so my payment each following month is lower and lower then my actualy scheduled payment. How can this be a bad thing? HIGHLY unethical, shady company. I will be filing a complaint with the BBB and finding the Capital One corporate phone number and calling them to complain as well. I hope they go under like the rest of the scab banks out there.
John of Channing TX (12/24/08)
A year ago I told them( Capital One) to close the account, and they failed to do so. In march of 2008 I paid off the existing balance, and the check was issued by my Credit Unioon, marked as PAID in FULL. This did not stop CO from continuing to bill me. They claim a charge was placed after the pay off date. I DID NOT authorise this charge, and told CO that fact. They have called me for to twelve (12) times per day everyday for nine months. I have told them repeatedly to clear thier books, correct the error, and stop calling and they refuse to stop or take any corrective action.
NOW, they put a nastygram in my credit file. Considering that many of the callers do not speak english well, I thought it might be a filure to communicate, but after talking to some customer service (as in farm service), and being told twice that they would fix the problem I have come to the conclusion that they are idiots, cons, and mindless fools. TWO supervisors of Capital have told me they see the error and that it would be corrected,but have failed to make it so. ONE told me I would get a check from Capital ONE for the overpayment. It never got here.
I have been harrasses for months by calls from India, and other foreign countries by illiterates, wanting me to pay them for the BOGUS charge and hundreds of dollars in fees. Resulting in a credit file entry which ruined all if the careful rebuilding I have done over the last four years. I lose sleep, in part due to the calls at early and late hours, EVERY DAY, seven days/week. I am very frustrated at not being able to get them to FIX thier problem.
Leda of Sherman Oaks CA (12/24/08)
I received a letter that my account was to be suspended since it had not been used in a long time. I had not used it due to previous problems. The letter said that there was a Rewards balance to redeem that should be done before the account was closed. I called today to try to redeem the Rewards. The first time, I spoke to Customer Service, I told them I did not have the full account #, but they were able to pull up my account without it. I did have the last 4 digits of the account. They said I needed to call the Rewards Department and they would send over the account information.
I called the Rewards department and they said that the account was not sent over and they did not have the account numbers. So I went through the whole process a 2nd time and called awards again. This time they had gotten an account, but it was the wrong one. The 3rd time I called, they connected me with Awards and after a long hold I got someone who said they would trasnfer me to a supervisor. I was on hold for 20 minutes and then the music stopped and I got the beginning of the menu please enter your 16 digit account # and got transferred back to Customer Service. The 4th time I tried and finally got a supervisor in Customer Service but once I got back to the Awards department, I could not get anywhere. This time, after a long time on hold I just got disconnected.
I tried a 5th time (now 2 hours on the phone) and the Customer Service Supervisor transferred me to the Awards department and after a few minutes of silence, then a few minutes of music, I got the beginning again of the recorded message to enter my 16 digit account #. It is such a scam. Customer Service could look up the account and tell me I had 10,000 miles, but only the Awards can redeem the mileage - for miles, or cash, or gifts, etc. But when you call the Awards redemption Department, they tell you they cannot find, or do not have the account information.
One supervisor on the 4th or 5th call said in a rude way Let me tell you how this works ' as if I was an idiot. I guess this is their way not to allow you to actually redeem any rewards while telling you you have them. After reading other complaints, I only hope that this has not effected my credit rating which has always been very good. I will never do business with them again.
I do not yet know if our credit rating is affected by their closing the account. So, the only other physical damage is with my blood pressure.
John of Point Pleasant NJ (12/24/08)
I received a pre-approved office for a Capitol One Master Card in the mail back in November of this year. It was for a 0.0% APR introductory rate for the first year and 6.5% APR each year after. I went online and filled out the form on their website and after submitting the form online I received a messaged advising me I would be notified by mail if I was approved. For the next several weeks I did not receive anything from them.
On December 11th I received a call from Capitol One asking why I have not activated my new card. After advising them I had not received a card, or a letter telling me weather I was approved or not, they canceled that card, listed it as lost or stolen, and said they would send me a new card in the mail. On December 18th I received my new credit card in the mail and promptly activated it. I then made two purchases using the new card which posted to the card on the 22th. On December 23rd I attempted a very small purchase and was declined.
When I called Capitol One they advised me there was a past due balance on the card and a payment was due on December 16th. I attempted to explain that I never had the card until the 18th and their own records would show that. I also advised them I did not use the card until the 18th which was two days after the due date. They advised me the charge was the annual fee and I needed to pay that on the 16th. Several times I tried to explain that I could not have known about the charge since I had never received a bill or the card, nor did I even receive a letter telling me weather I was approved or not. They did offer to waive the late fee.
When I arrived home later that night I promptly executed an online payment. I noticed that the late fee was not waived. I called customer service who again said the fee was waived but my APR was now 6.5% because I violated the terms and agreements. I went through the entire explaination several times and asked that I be restored to the 0.0% APR. They refused stating I should have payed them by the 16th. They offered to lower the APR to 0.0% if I make 12 payments ontime.
Their own records showed all of this but they still refused to go to the original terms of the 0.0% APR. I requested the account be closed and after about 40 minutes of arguing they finally agreed to close it. (The entire phone call was close to 1 1/2 hours) They are still going to charge me the annual fee even though I am not using the card for the year. I requested a manager and the operator just kept saying that they will tell me the same thing she did. Her operator ID number was fgp744. (Just in case anyone from Capitol One is reading this) She finally agreed to transfer me to a manager and after the phone rang for 7 minutes straight without anyone picking up I finally gave up and had to hang up. DO NOT USE THIS BANK IF YOU ENJOY HAVING YOUR MONEY.
Marsha of Brooklyn NY (12/23/08)
on 12/21/08 I called Capital One to make an inquiry on my auto loan. I then got a recording that they will text me. In the text, it said to hit y and for $9.99 I could speak to customer service. I did not hit y and of course I didn't speak with customer services.
Is this illegal. Seems a little gangsta to me.
Capital One is notious for its outrageous practices. Has anyone reported them.
I am just sending this complaint so others will be aware of what is going on and to really check out their credit card company are they friends or fiends
Jason of Dodge Center MN (12/23/08)
I had a Capitol One card with 7.99 fixed Interest rate. I primarily used the card in case of emergency. I have had no need the use the card for the past few years and now they are closing the accout automaticly.
Pain going through an application process. 9.99 variable rate instead of the 7.99 fixed rate. Credit score dinged because they had to do a credit pull on my credit
Jason of Cumming GA (12/22/08)
Closed my account. I had available balance of $10,000 with $0.00 owed and I had called months ago because my other credit card had an interest rate that was just a little lower and I called to see if they could match but couldn't. So being a wise person I just used my other card with lower rate and left my capital one open to keep my credit score up. Debt to available credit ratio. They sent a letter published on December 17th, I received today 12/22 saying they were closing account. I would have started using it if I would have been notified that it may be suspended if I didn't charge something soon. No help from customer service, or management. Very lousy customer service from all ends. No notice, no warning!
My credit score will drop now due to debt to available credit ratio, in order for me to get that available credit back up $10,000, I have to apply for another card which will go on my credit bureau report and drop it as well. My score will drop regardless now, and I told them i would charge on it immediately to remain open. Lousy, lousy customer service, I would not recommend using them.
Thomas of Midwest City OK (12/22/08)
Capital One calls my home every hour asking for a Travis H.I have no finincial obigations with Travis H. I know him through my step-daughter. I have tried to give Capital One Travis's phone number, his parents 's phone number. Capital One continues to call. I believe this is total har
Justine of Easley SC (12/22/08)
I have a capital one credit card that I have been in good standing with. I company got a hold of my credit card company that was a scam. They charged me for merchandise that I did not order, nor ever received. I disputed online, on the phone, and in a written dispute form that I faxed and mailed to capital one. My card it still getting charged from this company and capital one will not keep them from charging me card, will not refund my stolen money, and now they are not willing to close my account.
I just called their 800 number and told the customer service man that I needed to close my account and he said there was no one there to do it and I would have to call back tomorrow. That is the second time I was told this. They refuse to close my account and I have had a little over $100 stolen from me and the company still has my card #. I need help!!! No one will help me. Frustrated.
I have had a little over $100 stolen from me and this company still has my card number and Capital One will not help. I tried to get my money back from company that charged me and never sent me merchandise, but it's just a big fraud. I cannot believe they can get away with this. If you need to know the company is Extreme Acai Berry who I found online and they tricked me out of my money and keep stealing from me.
Stephanie of Sicklerville NJ (12/21/08)
I received a letter in the mail stating that capital one was suspending my account for 60 days and then closing it after that due to inactivity. I called them and talked with a representative and he had told me if I use the card within the 60 day window period then my suspension would be lifted. I was pleased to hear this because this is my very first credit card and I would like to keep it open. I went to use it the very next day and it was declined!
I called back up and asked to speak with a manager. As I was informed by her the suspension would never be lifted and my card will be closing(to me it is already closed because I can't even use the card.) Being a manager at my place at work I was absolutely appalled at the way they speak to their customers or should I say former customer. She was extremely rude and as if I was bothering her instead of being apologetic for some inconvenience. I also believe that capital one should have notified me within that 13 months with a letter of some sort about the lack of use on the card.
Allen of Santa Fe NM (12/21/08)
always apps in the mail pre approved then denied evey week
harassement
Sandra of Winchester VA (12/20/08)
I received a letter today (12/20/08) dated December 17th 2008 that my account was suspended and would be closed due to no activity. There was no prior notification that my account would be closed if I didn't use it by X date. The first person I talked to gave the Oh, well, several million accounts are being closed in this fashion, so we couldn't possibly have gotten notifications out on time...yet they got this letter about closing the account to me in three days? If I had gotten such a notification, I would have gladly found some trinket to charge to maintain the account.)
I called the number provided for customer support to see if they could lift the suspension so I could use it and keep the account active and was told that there was no way to prevent the closing of the account, through three supposed managers. Even though I had been a stellar customer since 1999, I was told to just reapply when the account was closed by the last two managers. I'll be calling a senior account manager Monday to see what, if anything, they have to say. Needless to say, I'm NOT reapplying for a Capital One card, and I'll be watching my credit report like a hawk.
Maria of Rochester MI (12/20/08)
Over the past four or five months i have consistanly made online payments to capital one before the due date and they have not been posting to my account. As a result i am being charged late fees and am afraid that this error will be reported. I have talked to account managers who will wave these fees but it is consistantly happening and i know that i am making my payment online before the due date. I keep requesting to speak to someone on who is aware of this error. they keep informing me on the correct process to submit an online payment--assuming i am an idiot and can not make an online payment
H. of San Jose CA (12/20/08)
After having my application denied at an apartment community, I was given a copy of my credit report. To my as of 1/2008collection agency. Could this mean Identity Theft or has Capital One Bank USA Na upped my original amount of 300.00 to $1739? In 2001 I had opened a capital one credit card account after a couple of months I called and wrote them a letter telling them to close my account. I was told that they had closed it. It was not until just recently that I have found out about the $1739 charges. How can this be possible??? I cut up the card in 2001 and never used it again. I tried calling Capital One, and the call was outsourced to India. The Rep whom answered stated that they could not give me any info of my $300 account that I had and closed in 2001, nor could they disclose any info about the $1739 charges. Help what am I supposed to do?
H. of San Jose CA (12/20/08)
After having my application denied at an apartment community, I was given a copy of my credit report. To my as of 1/2008collection agency. Could this mean Identity Theft or has Capital One Bank USA Na upped my original amount of 300.00 to $1739? In 2001 I had opened a capital one credit card account after a couple of months I called and wrote them a letter telling them to close my account. I was told that they had closed it. It was not until just recently that I have found out about the $1739 charges. How can this be possible???
I cut up the card in 2001 and never used it again. I tried calling Capital One, and the call was outsourced to India. The Rep whom answered stated that they could not give me any info of my $300 account that I had and closed in 2001, nor could they disclose any info about the $1739 charges. Help what am I supposed to do?
Kenneth of Fort Lauderdale FL (12/19/08)
Out of the blue today, I received a letter from Capital One stating that my credit card account was suspended and will be closed 60 days from the date of the letter. Is this legal?
Joseph of Randolph NJ (12/19/08)
Capital One approved a credit card machine. Approved two clients. Now has declined the transactions. We lost two clients due to their negligence! The credit card machine had another company name associated. Then corrected but still the information was incorrect.
Consequences: Lost two clients. Had our customers been declined this may not have happened. Our company is now looked upon as unprofessional and this is damaging to our reputation. We lost a total of $11,500 and our reputation is now ruined. All the money that was used as this money was supposed to be in our business. Now we are getting hit up with fees as our account does not have the funds to cover our business expenses. The business account is also with Capital One.
Elizabeth of New York NY (12/19/08)
Capitol One. 3 accounts in perfect standing for more than 12 years. All accounts paid through phone rep same call. One card suddenly has not been paid in 5 months. Capitol One refuses to correct or adjust 5 months of $40 late charges, $40 over the limit fees and interest now at 25 percent. Further, card had not been used this whole time and had been reported lost/stolen. Cap One acknowledged never replaced it and history of all three being paid. Continued to charge late fees and interest resulting in an additional 16,000 for 2008. Issue 2: Also no overdraft on all cards set by consumer on account. Yet Capitol One continues to assess $40 over the limit fees despite yearly corrections. Refuses to credit.
Loss of credit, credit standing. Fico at 700 plus beginning of 2008.
Patsy of Murray KY (12/19/08)
My grandaughter got behind in her payments on her master card thru Capital One. My husband paid off her account of $879.64 on 9-12-08 and they would not close her account at that time as requested. We did not receive another statement until Dec. then they said she owed $110.20. We have spent 3 days trying to contact them for an explantion, finally today we found a way to talk to an account manager. We were shuffled around for about an hour and no one could tell us exactly what the $110 was for. They said it was because she did not close out the account and something about protection plan, which she knew nothing about. I think they should be stopped from fradulant charges like this, it should be illegal to do business and steal from people. It was so frustrating to try to talk to those people. Most were foreign people and were hard to understand. I feel we have been violated when we were trying to do the right thing and pay her debts. Maybe this was an expensive lesson for her to learn that you cannot trust large business to treat you fair.
I became so angry today and just wanted this to be over so it would not ruin our Christmas, that I went ahead and paid it. I guess I shouldn't have, because I think that what they do is wear you down so that you give in and pay it. Thanks for listening.
Carroll of Bemidji MN (12/18/08)
Our Daughter had a Capitol One Credit Card, which she hadn't used in two years and had cancelled. Now she is getting billed an Annual Fee of $59.00 plus $30.08 late fee. Is this legal and will she just have to pay this?
Katharine of Plainfield IL (12/17/08)
I think I have everyone beat on this one. My husband and I are trying to finance our first home and low and behold there's a judgement on his credit report from Capital One. Now, I've paid almost (about 95%) of our debt off already and am 100% sure I paid this debt as well. On the credit report it only stated that there was a judgement, the amount, and the docket number. No stating which court, or who was representing them. We contacted Capital One and they have no record of my husband... NONE. BUT THEY'RE ON OUR CREDIT REPORTS LISTING A JUDGEMENT!!! They have no record so they can't take any action to have this negative information removed. The can't even tell us who they sold the debt to so that I may contact them for my paid in full letter. I have no receipt of said payment, and it's still showing as not satisfied... we're completely stuck.
Screw you Capital One and the horse you rode in on... how about some real customer service?? If you don't have a record of said individual, YOU SHOULD NOT BE ALLOWED TO REPORT!!
Marjorie of Los Angeles CA (12/15/08)
I spoke with the someone from India named Kallis ID #JRL131. I requested to have my upcoming payment deferred due to financial hardship this month, more specially some medical bills that I needed to take care of. Therefore, I knew that I had been a good paying customer so, I asked if I could have one payment deferred. He told me to send a fax requesting the deferrent and the reason for the hardship. I did all this before the payment was due.
I called back a few days later to make sure everything was in order, he said everything was in order and he had the fax and that I should assume that the payment had been deferred. Lo and behold - I get a call early over the weekend saying I was 13 days late on my payment. I tryed to explain this to the person from India, but he didn't want to talk to me until I gave him a payment. I told him that I would call Customer Service on Monday morning to get the matter straighten out.
Monday morning was absolutely terrible, the supervisor from the US said he couldn't allow the deferrment until he received a payment and, he said he didn't see any fax. Additionally, he wouldn't allow me to speak with his boss, he said he's not obligated to let me speak to his boss. Once I pay them off, I will never deal with Capital One again, they are very deceiptive, and I just hate to see the interest they will tact on.
Aleta of Magalia CA (12/15/08)
I am now on hold for 57 minutes, and the 3rd phone call to Capitol One. I noticed 2 adjusted payment charges on my account, one for $800, and one for $126.00 ( not to mention the $39.00 over the limit fee). I have been unsucessfully calling to find out the nature of the charges to no avail. No one can tell me anything except it was used in the form of one of those checks that they send you with your statement. I never use those, the interest rate is too high.
Apparently, this type of tranaction is to complicated for the normal customer service person, and after going thru the regular phone number, and answering questions like do you intend to make a payment to bring your account current? I get transfered off to a number that no one ever picks up.
It is one week before Christmas, and my credit card is over the limit by $300, and I dont have enough money to buy any gifts, or even snow chains for my car.
Daniel of Sparta NJ (12/15/08)
Capitol One is making unauthorized withdrawals from my checking account and show no record of the transactions on their system. I have since contacted my bank and filed a dispute for the debits and asked the bank to block all ACH on line transactions from Capitol One. I have also deleted my banking information from their site and am in the process of transferring the balance and canceling the card.
Withdrew 957.00 from my checking account which caused overdrafts and interest charges.
Maria of Zephyrhills FL (12/15/08)
My bussiness collasped it was run by my husband ,he walked out on the bussiness one day took a flight and left me with the debt,I am personally responsible for the debt which I have been paying over the minumun payment at a rate of interest 18.69% minimum payments 243.00 I pay a $ 300.00 monthly .I am a single mom raising two children my income is less then my income was account has a balance of $9,564.38 I pay insurance on the account for 74.96 monthly contact 1888-527-6904 why I don't know cause I was told I don't quaify for help on this account isn't insurance protection surposed to help people in times of need ...such as closure loss of income.
Being very determined after speaking to serveral representives I ask to speak to a finace representative to lower the rate payments are high and so I can feed my children .....WITH $697.00 IN THE BANK I was enrolled in a 3 month no intrest program a hardship program wow..... and was told I could only get help if my account goes to collections which will ruin my credit rating . All these banks are getting bailouts from the goverment .... what about us the hard working american citizens tring to give our families a good life .
Jane of Vancouver WA (12/15/08)
I've never had a capitol one card in my life! They called my cell phone up to ten times per day with the phone number of 1-800-something. Don't even remember since HAD to change phone #. Everytime they left an auto message Hello, this is Capitol One, please call blah, blah. Then would I would call it would say, please enter your ten-digit card #. Like I even had a card #. Highly irritating & harrassing.
A c.s. rep from cell contacted them (he must have made a # up) & the woman was very rude! She was like what's your account # mam in a snotty voice. I was like quit harrassing me, you have the wrong person, they said this is collections and she tranx me to customer service (or so she said) and no one ever picked the phone up. They're a nightmare & I couldn't ever be paid enough to have a credit card with them! Shame on Capitol One for being big bullies!
I had to call my cell provider and let them know, they called them (must have entered a fake 10 digit number) and get nowhere with them. Took much of my minutes and my valuable time! They never apoologized (of course)
Joe of Vineland NJ (12/12/08)
they call me from 866 826 3453 ten times a day 7 days per week looking for someone i dont know i told them stop i am on cell no call list.
Steven of Phil Campbell AL (12/12/08)
I had proof of my illnesses from my doctor and was paying for insurance on my Capital One account just in case i could not pay for just this type of situation. The problem began when they were denying I had the insurance even when it was clearly marked on my bill. Then when someone did finally acknowledge the obvious and the insurance company agreed to pay, some idiot turned the matter over to a collection agency. Thats where things get real interesting because i can't tell if the insurance company in fact paid the debt or not because my account was locked online and when I try to call them, I am instantly transferred to the collection agency. Then I find out from the collection agency that they aren't allowed to contact Capital One even to verify if the debt is still valid or the status of the payment. I was then berated to prove what I was saying when Capital One had not sent me anything nor the insurance company because my account is frozen.
I did manage to reach the insurance company who likewise found Capital One would not reply to them about the matter and their own records indicated that the payment was attempted but there was no data in relation to completion of the payment because that unfortunately comes from Capital One. Since then, I have been harassed endlessly by the collection agency working on their behalf and one agency actually abandoned their attempts to collect because they felt in good faith that I was being honest with them and that I had in fact attempted to pay the debt but with no way for them or me to communicate with Capital One, we could not proceed further.
Then to top it off, they threatened that Capital One is a multi billion dollar banking institution I did not want to have this matter go to court over and to accept a settlement offer or else when I desperately tried to tell them i couldn't. Being harassed by companies like Capital One for payment their own incompetence prevented from being made is one reason i keep my phone unplugged except for an emergency. Their insurance providers are not the issue as they were pleasant to work with and went out of their way trying to get the payment made working with me until Capital One turned the matter over for collection. I don't know what kind of business would make these type of mistakes and then block all means of communicating with them including their own collection agencies.
My doctor has declared me unable to work and what tests he has been able to do since losing my insurance with my job indicates I may have cancer. I tried to explain this to the Capital One collection agent who told me she's not a social service agent and after I got off the phone with her I collapsed after the phone call. I have many financial worries but this should not be one of them as this debt was in the process of being paid and Capital One itself is at fault that payment failed to be processed if in fact there remains any debt at all since no one can even determine if the insurance paid the debt or not.
Partick of Buckeye AZ (12/11/08)
I have a Capital one Credit card. It had a $3500.00 limit. I maxed it out and paid it off before. This last July I reopened the $3500.00 account, work was slow. I eneded up maxing out my $3500.00. My payments were $109.00 a month. I made a couple month payments then all of a sudden I was over the limit and my new loan amount was $3250.00 . I started to get dinged with $39.00 late fees and $39.00 over the limit fees.
I called capital one and got India or the Phillipeans. I wanted them to put my limit back to $3,500 and take the fees off. This went on for another month and I told them I wouldn't make the payment until they fixed the wrong they had done me. It is now 3 months later and I need to pay over $600.00 to become current. I don't have a probelm paying the $109.00 starting Jan 1st if they knock off all the wrong doings they have done to me.
I've tried numerous times to call and talk to someone in America. When I finally did get ahold of someone in America they told me I had to come up with over $200.00 by the next Friday and even that wouldn't make any set promises or deals. As each month goes by that amount to become current gets higher and higher. Work is slow and we are on the verge of losing our home. I can't come up with the kind of money. The people are rude and I get harrasing calls everyday. I'm willing to work with them, but so far they are willing to do nothing for me. So I've decided to let the bill go to collections.
Ronald of Salem IN (12/11/08)
Mid November 2008. I did contact Capital One credit card about an injured family members account. I was then forced to get a court order making me the Power of Attorney in all maters for the family member. Now this company informs me they can reject the Court Order. Keep the card active and tack on charges and fees till that person ether dies or wakes up from there coma. And still expect to collect from that person or there estate what ever they wish to approve or charge to the account.
Added stress to Family members in dealing with the injuries sustained to a child member. Addition of cost to parents and the stress of trying to protect a child that can no longer defend them self from theft or fraud. Time lost with child fighting with money hungry immoral individuals. Of several companies this is the only one that has added cost and stress to this situation by insisting it is only interested in busting profit by robbing a person confined to a ICU Hospital bed. The cost is going up daily with no end in sight. And pay off will not stop it.
Christine of Seattle WA (12/11/08)
On a Capital One bill I recieved from their collections attorney, in fine print it said the account is suspended because of two credit card numbers. I did not have any knowledge of these card numbers or where they came from. Then the interest rate was raised up to the 25% range. The card has the same payment dates as a Capital One card I discharged in bankruptcy years ago.
I am being sued by Capital One for payment, two or more years of interest and attornies fees. It is not settled yet. It is very stressful and not over yet.
Connie of Puyallup WA (12/11/08)
A capitol one sales person left a message on my home phone. I didn't want to listen to a sales pitch from their fraud department so I didn't call them back. I monitored my account daily and knew there were no unauthorized charges and the account balance was zero, so no issues, right? Wrong - Next thing I know, my account has been suspended and when I call their so called 24 hour a day service, I'm told to call back. SO I call back and get a different operator. THis one tells me my account has been closed. Believe me, there is no viable reason for this action, I have a solid credit rating and have never paid anyone late.
Don't know what effect this will have on my fico score, since there is now a different credit use to available credit ratio, which is partially used as part of the fico score.
Gladys of Clarksville TN (12/10/08)
I have had problems receiving bills. I
have called several times. I asked for
a copy of my bill and still never received one. I was told today by dave
at call center in India that my address
was changed thru the post office. I do
not want my address changed without my
request. I moved 10 months to new address and was told my old address was
put on my account 5 days ago. While
if the bill was sent to old address i
still would have gotten it because the
post office is still forwarding mail.
I also asked for a person's name and
address to write a complaint, but was
not given a name, to just sent it to
general communications. I do not like
paying bills for which I do not know
what I am paying for. They also wanted
to change 10.00 for paying over the phone. That was taken off after
complaining. I know I can controll
my charges from this end, but I have
been very fustrated over the response
I have gotten over this.
Angela of Culver City CA (12/09/08)
I spoke to seven different operators, disconnected twice in the duration of an hour and thirty minutes. I needed to replace my card but the account was deactivated due to inactivity.
My credit score will be affected if I close the account or reopen the account. I am still on hold...
Steve of Charles City IA (12/09/08)
I don't know where to start. I have had problems with them not posting payments, or waiting to post charges in ways that incur their standard late and over limit fees They will tell you that you must have your card balance under the limit by the due date. What they REALLY will do is charge you the moment your balance goes over. They are crooks. Find a different card!
I have been stuck with several hundred dollars in fees that are all wrongful.
Jason of Torrance Ca CA (12/09/08)
We opened a credit card with Capital One at 0% to give us a little room on a few things. We made 2 charges on the card then I found a better offer so I canceled the Capital One card. When I called and found out there was a membership fee that was never explained upfront, which I was able to get waived. A couple weeks later we received our statement and the bill was due that day, I tried to log in online but you need the credit card number, expiration date, and CID to log into your online account. I had since destroyed the card...ok my bad on that, but they don't need that info to receive a payment over the phone now do they? What they do need is a $10 fee to pay by phone, I was able to get this waived as well because they were unable to give me the info to log into my online account. PAID, done, right? Negative. Yesterday I received a statement that my bank denied the transaction and I was being charged a late fee, and a returned payment fee. The account and routing number I gave was 100% accurate as I've been with the same bank for 13 years. Maybe the non-English speaking middle school drop out didn't type the numbers in correctly even though they read them back to me. They create an environment for hard working consumers to be charged random SHADY fees. So lame...I'll be back on the phone with them today, and recording it for quality assurance.
Unexplainable frustration. Wasted time, I'm certainly going to end up paying some of these charges, and we are not rich so we feel this, I thank Jesus himself that gas is way down so we have some room to pay these fees that are part of a contingency plan that they design for every type of consumer at every financial level to rack up fees.
Cherry of Lewisville NC (12/07/08)
I thought I was losing my mind - my credit card bills have been coming in late, or not at all. This has happened not only with BOA but with Cap One. Not that it's good to hear it was happening to someone else, because it isn't - but at least I don't think we're the only ones. This is highway robbery - and it's got to stop.
Jerry of Ardmore OK (12/07/08)
i applied for a credit card, didnt get approved even though i have a totally clean record with all three credit reporting bureaus. I owe no one money and have never in 73 years been late on a payment of any kind, own a paid for car and a paid for home. I had one credit card, an aspire that went out of business and cancelled all their cards. I never had any trouble with them at all. I see where you people have a terrible track record in how you treat people, and i am so glad that you turned me down. Thanks for nothing.
Nancy of Sun City CA (12/07/08)
I had recieved a card offer of 0%and it was great,until your late one time.Thats when everything goes bad it goes from 0% to 24.99% what a joke and not to mention a real ripeoff,CAPITAL ONE is a real scam,Ive had several problems with them like late charges of 39.00,over limit fees the same I hope I dont have a problem like Ive read about closing my account once I get it paid off.
Stress out even been medicated by doctor.
Doug of Hampton VA (12/07/08)
I applied for a Capital One Platinum Credit card online for the 0% balance transfer and no fee offer. When approved, I transferred $15,000. Upon receiving my statement, I was charged a $39 account fee and 9.9% interest on the transfer. I see now from reading posts this has happened before. When I called, I was told this was what I had applied for. I said, why would apply to transfer funds to a 9.9% account when I could get 0%. The Supervisor Indian rep also said I had a World Master Card. I said, no, it's a Capital One Platinum. I'm holding it in my hand right now. He said he check my application and the card I received was correct. He said they would investigate and call me back. I never received a call back. I also requested help from their online messaging service but never received a reply. I never received a call. I'm closing the account. This is blatant fraud.
$149.22 in interest and account fees.
Marilynn of Redlands CA (12/06/08)
I made payment arrangements with a representative from Capital One last week. Every day, for the past 7 days, I have had phone calls from representatives from India, the Phillipines or elsewhere, demanding that I make arrangments to pay. They then look at the account and see that the arrangements have already been made. Each time they ask me for my social security number, which I refuse to give them. They also insist that I provide my current address etc. Next month, when I get my tax return, I plan to close the account. They are a nightmare to deal with. When you call the customer service number on the card, you get out-sourced to a non or barely-English speaking person who will not listen.
I feel harrassed, I've made arrangements to pay and yet I keep getting calls, sometimes 2 or 3 per day. I just told the latest caller from Capital One that I was going to lodge a complaint against them. I went online and found this website ergo my complaint.
Hemani of Los Angeles CA (12/06/08)
I owed my credit card company $250.00 this billing cycle. When I logged on to pay my bill, I noticed that they had posted a charge of$2,795.05 to my account & disabled my account from online usage. I can't even view my past transactions or dispute the charge on their website. This was done without my knowledge. Had I not logged on, I wouldn't even have known that my account was charged such a large amount. Is this legal? Can my credit card company just post a charge on my account out of the blue without informing me?
When I found out about the charge, I called their 800 number and none of the representatives were ready to talk to me and explain. They said they had to forward me to the Fraud department. Every month I have been paying my capitalone bills on time and the full amount. Where does fraud come in the picture? Can they just send me to fraud department without discussing the reasons?
I am being charged $2795.05 without my knowledge and this has caused me stress all day at work. ( I was at work when i checked my capitalone account). Since then, I haven't been able to concentrate and am very upset that my account was sent to Fraud.
Gerold of Rocklin CA (12/04/08)
I resent the fact that the Enlish speaking employees of Capitol One are loosing their jobs to an OUT SOURCED entity. The biggest challange I face with my Cap 1 account is that I do not find it easy to communicate with someone that has an accent in their speech - Bring it on HOME; we need it here now - more than ever.
I never recorded the amount of times it required to get the message accross to the employee in India; it seems that the one taking the notes can't understand me anymore than I could under stand them. I became very frustrated with the waste of time. Example: My dispute that lasted 5 months was reported to me [in India] to be closed; 2 times I spoke to the English speaking employee in CAnada I learned that the case was OPEN. Now what is is? OPEN or CLOSED?
Florence of Washington DC (12/04/08)
It is not the first time that CapitalOne charges $39 for late fee, even when I mail my payment more than 1 week before due date. This time, out of a bunch of checks I mailed, only CapitalOne did not receive theirs. Today December 4th, I received my statement due December 8th! Of course, the company will charge me again $39 late fee. This credit card company is dishonnest & very tricky, managers and supervisors rude. It should be closely supervised by the appropriate authorities.
I lost a lot of money in late fees due to their incompetance or maybe due to their tricks to make more money on my back. This credit card company is very dangerous to consumers
Nio of Huachuca City AZ (12/04/08)
Due to health problems, my wife took over the family finances. When it came to light in March of 2008 that she had fallen behind on several of her individual credit cards, I stepped in to find solutions. All creditors except Capital One agreed to payment plans. Attempts made in March, April, and May of 2008 to make payments and set up a viable payment plan were rejected by the service center. Attempts to contact the collection department were rebuffed.
In September 2008, lawyers for a firm in AZ filed a lawsuit on behalf of Capital One for the amount of the bill. Capital One avoided contacting us to work out a solution and we now face a lawsuit. Attempts to contact Capital One legal department to verify the lawsuit were ignored.
We face a lawsuit that will probably be found in Capital One's favor even though they obstructed any possible solution. If wages are garnished, we will possibly manage to make it each month, but there is also a possibility that we will have to file bankruptcy.
Karen of Gloucester MA (12/04/08)
I used to pay my entire monthly balance off with Capital One, yet I'd still find I had finance charges on each month's bill. When I called I was told that Capital One's policy now provided for charging me interest from the date of purchase. I argued that no credit card operated in such a manner. I was told this way how my account now operated and if I didn't like it, I could go elsewhere.
However, I will say they offered 14.9% interest for the next three months at the end of the monthly cycle when my prior interest rate had been 9.9%. In my opinion, big deal. I've also had a few customer-service experiences over the past 3 years where employees have been downright rude and hostile.
Diane of Commerce Township MI (12/03/08)
There were fraudulant charges on my account. A Fraud investigation was opened and closed with the end result that I owed nothing. One month after it was closed, I began receiving collection calls and they continue to come 3 months later. I have spoken to dozens of people who say they see what happened and willfix it, but it doesn't get fixed. on 11/10/08, I spoke with a rep who said that Capital One had put the charges backon my account in error and they would be removed. I requested a letter stating that I owed nothing and the account was closed. To date, all I get are more collection calls. Each time when I am home and answer the call, I have to tell the story all over again, then I get transferred to someone else who transfers me again and again because I keep getting told I was sent to the wrong department. I have written letters, made phone calls and responded to their calls and am getting nowhere. I will be sending the CEO a registered letter - I just want the account to be closed and the annoying harrassing calls to stop
I have a good credit rating and do not want this to affect my score. So far, this has notbeen reported to any of the 3 credit reporting agencies.
Jake of Mosheim TN (12/03/08)
After reading all the Capital One reports, I have one to report. My mother was in a nursing home after a stroke. She got a letter addressed to the nursing home telling her that she owed several thousands of dollars. My mom was 83 and has never had a credit card of any kind. I called and the girl said someone had probably stolen her identity. I told them not to call or send any more mail as my mom could not read or answer the phone. I was told that it was up to me to correct the mistake. I told them it was not my account and they could straighten it out. She still got letters trying to collect the account. Finally I got tired of reading the letters and calling and asked what social security card number was on the account. I was told they couldn't tell me that because of privacy laws. Finally after yelling on the phone, I asked for her supervisor and she told me the social security number and it was not my mom's. Then the supervisor told me that they got her address after tracing the name from some agency and was now convinced it was not my mom's account. My mom died not long after this. I just wanted to tell everyone how this company operates.
William of Harshaw WI (12/02/08)
Capital One TV commercial useing Santa Clause figure to create a custom Capital One Card sucks. I tried to complain about the commercial and could not find any way to enter my complaint on their website. We will cancel any of our Capital One cards tomorrow!
The idiot in a position of responsibility for this commercial needs to be fired.
Bernice of Boulder CO (12/02/08)
I cancelled this credit card last year. Suddenly I was getting bills in the mail from them - first $49 for the annual fee, then late fees. In a month I supposedly owed them $64.70.
I called to find out what had happened, and the supervisor said that due to a computer glitch many accounts that had been closed were re-opened.
I am concerned that there is a reason closed accounts were re-opened, and that it may relate to the bail-out. Possibly more accounts lead to more money from the bail-out.
Pamela of St Petersburg FL (12/01/08)
I am trying to call to get fees waived i pay my mastercard on time they keep adding fees 39.00 my bill is not goin down at all. Now the phones are not working and they do give me the run around.
Set backs on my bills and also making my credit look bad. i cannot afford a late fee every month on my statement while i am payin on time. please help
Laura of Pittsburgh PA (12/01/08)
I paid off my Capital One card in the summer of 2008. I made arrangements to settle the account with Capital One. I did this and thought that it was all taken care of...I thought wrong now, four months later I am getting calls from a collection agency that they deal with telling me that I still have a balance!! I asked why after so long why I was just now hearing about it. I was told that they had tried to contact me, they of course had not by phone, email or the US postal service. I was told that that is not the issue, I owe them money and needed to make arrangements right now... I asked for Capital One's phone number and she refused to give it to me. I do not have the card any more because I destroyed it after paying it off. I am furios but concerned that I have no recourse since I have nothing in writing.
Richard of Port Charlotte FL (12/01/08)
I have been trying to close my credit card account for months. I do not owe them a dime and I keep calling to close the account. They tell me it's closed and I recieve a bill with a zero balance. How can I stop this harassment?
They are sending me mail I do not want any part of them. Not to mention the lack of respect for the planet.
Dana of Laguna Niguel CA (11/30/08)
I recieved an offer in the mail for a 0% credit card for balance transfers from another higher-interest card, which said i could apply by phone or online. I applied online, but there was no place in the online application for me to enter the reservation # and access code that they provided in the offer letter. Nonetheless, i thought i had applied for the same card referenced in the offer letter.
When i got my first statement, i realized it was not the same card, and i had instead applied for a card that had 0% on purchases and 9.9% interest rate on balance transfers. I called Capital One to explain this was not the card i wanted, and that i would like to cancel this card and transfer the balance to the card i was offered. They said they could not help me because i had already accepted the terms of this card.
I explained that if i could not move this to a 0% card then i would pay off the card now and cancel my account. They still refused to help me. I have never before had a credit card with Capital One, and i will never again open a card with this financial institution as i feel their customer service is extremely poor compared to other banks.
I was charge $122 in finances charges that they would not reimburse, for a card I did not want.
Sandra of Newton MA (11/30/08)
I always pay my credit card bills on the first of the month and suddenly started see late charges of $35. When I called to inquire they said that unless I pay after my statement is released on the 5th of the month, the payment is credited to the previous month and hence a late charge. I pointed out that I was actually prepaying each month and they were then assessing a late fee. While they were willing to remove the late fee for two months, they still won't accept my payment before the 5th of every month.
Charmane of Albuquerque NM (11/29/08)
I lost employment and couldn't pay my credit card bill. Limit was $300. It's been a year now and today I received a bill from a collection attorney representing Capital One for the amount of $889. They have continued to charge my account over and over with almost $600 in interest and late charges. Is this legal?
Massive stress. I am under a mass amount of financial stress. Now knowing an attorney is after me, am I going to lose my paycheck? This is ready to break me mentally.
Blaine of Clermont FL (11/25/08)
I missed a payment because i recieved no statement one month and then was uable to make the neccassary payments to keep the account current as i continued to rack up over limit fees and past due fees. The account had an initial credit limit of 500 dollars and now within a 3 month period due to finance charges and overlimit fees and past due fees the account is at 1065 dollars. I attempted contact capital one as i picked up another job to help get caught up and they turned me to a collections agency that told me if I made three payment os 230 each over a 7 week periode that i would be able to bring my account current . I told them that would not be possible and they told me that would be my only option. I offered a message on their online message center indicating i would be happy to pay a resonable amount in theses charges on nov 14 . I have not recieved anything back from them. I just recently read a book that indicated they were very difficult to deal with in these circumstances would probably result in some type of action against me.
Other than what i have to presume will be a bad mark on my credit report nothing has happened yet. I wish i could come to some type of terms with them. But my financial situation will no currently allow me to pay somuch in such a little time. I don't dispute that I have fallen behind but to rack up somuch in fees in such a short time when over the course of having used this card i have more than paid back the orriginal debt. I realize credit card companys are going to charge fees when not paid on time but to be so unwilling to come to a resonable agreement seems a little crazy to me
Karen of Acworth GA (11/24/08)
I have had my credit card for just over a year now. I recently started receiving calls offering me free gas, saying that I had been chosen for being a great customer of Capital One. After the first few calls, I did ask what this involved - the usual 'Free' trial services that you could cancel at any time. After refusing the services with the girl on the phone, and her supervisor, I asked to be taken off the list. About 8 weeks later, charges appeared on my statement for fraud protection (Oh, the irony), a discount club, and something else - arranging from 19.99 to 25.99. These were the same services I was offered for being a 'great customer' and no, I never gave them my credit card number. After the fraud situation was sorted (they refunded me the money very easily!!) I still received the phone calls. Just to be sure, I ordered a new card with a new number, but I still get the calls!
COMPLAINT NUMBER 2
My husband was due to be working away for a while, to ensure we had enough money to tide my son and I over, he paid off my credit card. Three days later, when I needed gas, I checked my card balance - It said the payment had been processed, but there was no available credit on my card. I waited another day and still the same. When I phoned them - a long story short - It turns out that if you pay over half of your credit limit in one payment they put a hold on your account for 6 days, (due to possible fraud!! I would love to have my card fraudulently used if they are going to pay it off for me!!)even after explaining my situation they did nothing, they told me the money will be available next Tuesday (actually 8 days since we made payment)
This payment is due to clear tomorrow, my son and I have no gas, no milk, bread etc. Luckily there is no school this week. DO NOT RELY ON CAPITAL ONE, I will have to use this card when it has cleared as we do not have a joint account and this is the only money I have access to untill my husband returns. I will be dumping Capital One ASAP - as long as I can close the account, I hear thats not that easy!!
James of Burkesville KY (11/23/08)
well they kept charging a 35.00 overlimit fee after we had called in and asked accounts to be closed so the overlimit fees would stop we sent money every month on account now we have a lawyer contacting us saying they can take ourincome tax checks
well besides about having a nervous break down we informed them we were making them payments every month
Al of Phoenix AZ (11/22/08)
CAUTION with Capital One these days, huge interest rate hikes without warning, they are looking for any reason to do so, and could care less about you. Gotcha!. 7 year loyal customer, $5K balance, interest rate at 11%, Rate increased to 24% because we were 2 days late on last payment. Took it up to highest level supervisor. NO help, our loyalty, our good credit history equates to nothing for them. Even in today's difficult economic times - they could care less. Gotcha! should be their new tag line on commercials. Beware!
Ned of Hagerstown MD (11/22/08)
Primarily I was using my Capital One Master Card to automatically pay my local newspaper $11.61 a month. The last statement I received from Capital One was for $58.56 which was paid in full Feb 11, 2008. In late April 2008 I receiveed a telephone call from the newspaper advising me that Capital One would not honor my card to pay $11.61. The following day I contacted Capital One and was advised that I haad a overdue balance of $85.00, which I disputed, and requested a Statement. I heard nothing from Capital One after that.
On Oct 20, 2008 I received a telephone call from NCO Collections demanding that I make arrangements to pay a total of $207.24. which I refused and again requested a Statement. I finally corresponded with Capital One and requested a copy of any statements mailed to me since Feb 2008. I received a copy of one statement which was mailed to me after Feb 2008.
That statement was for a total of $11.61, however, it was addressed to Ned [same name], IL 60561. I have resided at my current address in Hagerstown since 1973 and that is the address which was furnished to Capital One when I opened the account in June 2002. They have since closed my account, referred me to a collection agency, and notified credit agencyies of a delinquent account.
This has damaged my credit and character. I might add that I am 79 years old, retired US Army and served During WWII, Korea, and Vietnam.
Elizabeth of Adelanto CA (11/21/08)
Kal called my office on 11/20/08 in reagards to a unpaid debt. I told him that I could not receive personal calls at my office. I openly gave him my cell phone number and asked that he call after 6pm. He said his office would be closed by then and if he could call in the morning. I told him he could call anytime after 7am. On 11/21/08, I did receive some restricted calls on my cell and 2 voicemails. I could not answer my cell, because I was at work. Since I had not answered my phone Kal called my office again. He was speaking very loud, almost yelling at me. Stating why did I give him my othe number if I wasn't going to answer my phone. I said, excuse me? I am at work and cannot take this call, please call me on my other number after 6pm. He kept going saying that I need to answer my other phone and that he left me a voicemail.
I work in a cubicle next to my supervisor's office, so I hung up the phone. He called right back yelling. So you are going to hang up the phone up on me! Before he could say anything else I hung up again. I gave him my cell phone number allowing him to call me. I asked that he not call my office. It had not even been 24 hours before he called my place of employment not once, but twice. I do not appreciate being yelled at and being told that I need to answer my phone. I am at work and he should have taken that into consideration. I understand that it is my debit. But, there is no reason for him to call my place of employment and speak to me in that manner. I will no longer accept any of his calls.
Debra of Aurora IL (11/20/08)
My car payment is 5 days late and I am receiving 5-10 collection calls PER DAY because of it. They keep switching up the phone numbers, but each call is from them. They are calling my CELL PHONE.
Disruption of my work day. Threats causing fear.
Holly of Nixa MO (11/20/08)
i used to alway pay my card on time and once a year pay it off then use it again through out the year. i had a 500 dollar limit. my husbands hours were cut at work so we went through debt consolidation and was told while in consolidation i wouldnt receive any fees such as late fees or over the limit. every time the consolidation group paid them the debt never went down in fact it went up every month.
2 months later my husband was laid off and i am on ssi. i filled out all the paperwork for my credit account care and so did my doctor and my husbands boss we sent it in and didnt hear anything for 2 months when they started calling i told them several times about the account care but they did nothing and said they never got anything. we sold what we could around the house and offered them 500 dollars to clear the debt and they said no the minimum they could except is 736 but my limit was only 500 and the card was canceled to stop the debt from growing.
my phone was shut off because i couldnt afford that bill either so i wasnt able to keep in contact with them. then we moved i received a letter a few months after moving regarding my account i called and left a message with the collection agency and told them the debt is not valid and i disputed it on my credit score and now we are being sued for almost 900 dollars. i have 3 kids all under the age of 5 and my husband makes 7 dollars an hour. how much money do they think they can get from us?
well if they win the lawsuit and garnish wages or take part of our income tax then i wont be able to pay my electric and i wont be able to pay the 1800 dollars to repair my vehicle which means my husband cant get to work and he looses his job then we are right back where we started.
Robert of Kalamazoo MI (11/19/08)
I had a Capital one account for a few years and paid off the account in 4/2008. Never had any trouble with capital one, except the hidden fees and high card interest rates. So, I paid off this account and called them, after waiting for a long time on hold, I instructed the captial one agent to 1)-close the account and 2)-send me a letter verifing the account is closed.
A few months latter, 7/2008, I finally get a letter from capital one. It was NOT the confirmation of account-closer that I was waiting for, instead I was greeted with a billing statement for a memebership fee on an account that I had closed, not used, DID NOT request, DID NOT sign for. I have msde 2 other calls to capital one, after being on hold for long periods, I was able to contact their agents and each time they have agreeed to close the account. Now, 11/15/2008, I received a billing statement, for an account I DID NOT authorize. They fraudently charging me for the membership fee plus 4 months of late fees and interest. All for something I DID NOT AUTHORIZE, and have NOT USED!
Lots of time; 1)On hold waiting for capital-one agents. 2)Telephone and email with Michigan's AG office (MIKE good guy). Loss of income, cost to taxpayers, and damage to credit my report.
Dianne of Pasadena MD (11/19/08)
I have been SLAMMED with over the limit fees sometimes 2 in one month! I have called them and they refused to work with me. The fees keep piling up due to things I did not ask for such as credit inform and payment protection . They keep adding these charges to my current account from previous months which in turn puts my account in over the limit status.
I am trying to re-establish credit and they keep ruining my attempts to be a good consumer.
Robert of Marietta PA (11/19/08)
In March 2008, I contacted Capital One to close my credit card account that had a not-so-ideal APR and a sub-par credit limit. I hadn't used the card in over six months and I had acquired better cards over the years.
In May 2008, I was still receiving statements, with no balance, so I called again and was assured the account was closed.
In early October, after around five months of no correspondence, (I had even been locked out of the company website) I received a statement via email (and four days later via postal mail) indicating that I was carrying a balance as a result of the Capital One Member Fee.
On October 23, I contacted the Capital One Customer Service team and wasted an hour and a half of my life bouncing around to all corners of the globe. I hung up with the acknowledgment that my account was credited. During this ordeal, I was transferred to the payment protection team--at the advisement of a customer service representative--and canceled the payment protection on the account.
Today, I was greeted by another Capital One Statement. Needless to say, I was floored. Capital One was charging me a late fee as a result of a $0.38 payment protection that was administered when the previously credited $39 Member Fee hit the card.
So, my wife took over, because I couldn't possibly find it in my heart to be pleasant or polite to anyone at Customer Service. Lets see, she talked to Vanessa in the Philippines, Frank, the belligerent supervisor from New Brunswick, Canada, Ross from Disputes in Bombay, India. Finally, we wrapped up with Tiara from Kansas in Payment Protection. The runaround started at around 5:45 PM and wrapped up just before 7:30 PM.
We walked away with a guarantee from Ross in India that the account was credited and closed, but I'm not going to hold my breath.
During my early correspondence with Capital One, I expressed my displeasure with their follow through, and asked to be removed from all future mailings. While that request has never been honored, I believe based on the events from earlier this evening, I haven't had my last conversation with a customer service rep from Crapital One...
I will be pulling my annual credit report next month, and will determine the damage based on any detrimental reporting from Capital One. So far, just the nuisance of wasting so much personal time remedying this situation.
Rosetta of Los Angeles CA (11/18/08)
i recently had my car repossesed on november 5th. ive been dealng with capital one auto finance to get my car back. working as a freelance makeup artist, i was able to accumulate the 1000.36 that they requested to get the car back. i sent them the payment via money gram on friday nov. 14th. i also sent them the 4 other documents they asked for.which were proof of residence, proof of insurance, proof of income, and new referances. i have been dealing with numerous operators with ther finance company and since ive sent the money, they seem to either not have my documentation, have not recieved it, cant find it on file. my insurance agent has sent capital one auto finance my documents 3 times on 3 differnt days because they say that they had not recieved it.
last nite i spoke with an operator and had sent and complied with all of their requirements. noting that my proof of income was last months bank statement which showed my deposits from the last month. i recently had the account closed because i did pull out all the money in that account to pay capital one to get my car back. the operator on the phone told me that everything was fine but again they had not recieved my insurance documents. she insured me that that was the only document that they needed to release the car. this morning my insurance agent sent the documents once again.
now when i called capital one they fnally said yes we do have your insurance documents, but now we need your proof of income, we noticed last nite after the representative whom i was on the line with for over 30 minutes cleared me for all the documents, is now not accepting this because the account is closed. it seems everytime i comply and have everything set, they cant find a document, want it resent, and now this. i asked to speak with a supervisor and they refused. they said it would take 24 hrs. to get back to me. which is another day with my car at the repo center.
my car is do to be auctioned out by the 25th, so it seems that there doing it so it gets to that date and then they can gain more money and im out of a car. the representatives were very rude, instead of helpful. no ones on the same page when it comes to documentation. they have recieved over a 1000 dollars from me, and i also just paid for auto insurance. the representative told me i should get a real job and have them write me a letter stating i work there. extremly inconsiderate employees.
with this matter ive not had a car in the past 2 weeks, and 80% of my work causes me to travel to the location where i work with the client. i've been missing out on work because i do not have my car.
Edith of Plantation FL (11/18/08)
In the begining of August I lost my card, I immediately reported it lost & was told that the card would be frozen and I'd be sent a new one. After 7 phone calls, over 2 months, each receiving responses that this is new information and I will be order a card etc... I finally said I cancel all continued service with them and any charges after the loss are not valid. Now, they wish to investigate the transactions of 4 months ago - stating it is my signature on the receipts... How am I supposed to remember? v All I remember was I lost it, reported it, never got a replacement, called numerous times, & went through the reporting process over & over... All customer service calls where being received in India
Wasting time, call screening was ridiculous because I was not aware which (of the many new card #'s I did not receive) I was calling about. Now they want to charge me for transactions posted a very long time ago.
Julie of Austin TX (11/18/08)
In 12/2007 I closed my older Capital One credit card and opened a new one with a lower APR. Letters and CSRs confirmed this. After 30 days I received calls from the collections department that my older, closed card was past due. After contacting Capital One numerous times explaining this to them I was informed that the older card had not been closed out properly and as a result my credit had been negatively effected. I was assured that they would be withdrawing the negative reports on my credit and was sent confirmation of this assurance via letters. Today I received my annual free credit report and Capital One still has negative reports on my credit for this issue that their company caused. This is after almost one year, hours of phone conversations and assurances that were both recorded by Capital One and letters sent to me confirming that this was indeed their fault and I would not be negatively effected.
My credit has been negatively effected by their mistake.
Michael of Parma Hts OH (11/18/08)
I recieved a bill from capitol one for $19.00. this was the yearly fee for using their card. I mailed the payment 4 days before it was due. Capitol one said it recieved the payment 2 days late. I have mailed payments 10 days before it was due and they have listed them late. when I called to find out if they would drop the $15.50 late fee on a $19.00 bill I had to go through 2 people to be told that once in the past I have had a late charge removed and I used up my only one. Even though this charge was not for any product or service other than capitol one's charges. So as capitol one refused to work with me I closed the account. Then I was informed that my $19.00 fee would be returned after the $15.50 late fee was subtracted from the account. What anal retentive idiot invented this. All capitol one had to say was to have my rule book(terms of account) they sent about the account if I want to contact an attorney as what they did is totally legal. I informed them that I hope the c.e.o. with his big bonus check chokes on my $15.50 part of the bonus. It is companies like this that are helping with the bad economy, ripping off the consumer and preying on people who may need that card for an emergency as my family DID!
What has this caused, well this card was an emergency card in case I had to send my wife(a cancer patient) back to California for an emergency treatment as she is in a study at Stanford University and if her treatments do not react well in Ohio she may have to fly back to Cal.(this is where she originally lived, if you have half an hour I will explain why she moved to Ohio). Now I do not know what I will do. Also they ripped me off for $15.50. There should be something done against practices like this. I am sure I am not the only one they are doing this to, and I bet the proceeds from this type of practice are in the millions of dollars.
Jerry of Sarasota FL (11/17/08)
Approx., 5 years ago, I had two capital one cards, I paid one off, by an an electronic debit of several hundred dolars, I have bank proof of that, and then later on I paid off the second through a group of lawyres , I also hhave proof of that, I know I had only two cards and have paid them both off, but they legally forced me to pay off a third account, which is almost paid off,
But I know I had only two accounts, How can I get Capital one to provide me with the supposed three accounts, when I know I only had two, but have had to pay three times. Soon I will retire and have retirement money and will use whatever financial means I have to have them provide proof of three accounts, I know I only had two but they would not provide all three account #'s. I have worked for the local school system for 30 years and I know I never had three accounts. can you help ?
I have almost paid in full for three accounts, when I know there were only two, all this at the cost of several thousand dollars and much mental anguish
Jose of Vallejo CA (11/17/08)
Capital One run over East time so if I paid later than 3 pm east coast time, they charge me for late payment $39! I paid after back to work and later representative ignore me two times over the phone! Now I gonna pay over the phone and give a hard time with every single payment until finish my grace time (february 2009) and I gonna cancel.
I went over my limit and I paid consequences.
Thomas of Ronkonkoma NY (11/17/08)
This number keeps calling my 12 year old daughter's cell phone. I talked to a live body on 11/06/2008 at 7:25pm and told them to they have the wrong number and told them to stop calling. Since then she has been called by the number on the following dates and times: 11/14/2008 8:32am and 3:34pm and 6:19pm 11/15/2008 8:24am and 2:58pm 11/16/2008 9:21am and 12:12pm. Could you get me the phone number of a VP at Capital One so I can call them repeatedly and tell them my 12 year old does not have a credit card or oue them money?
Uwarranted harassment of my 12 year old daughter. I don't want a lawyer just the phone number of a VP at Capital One.
Latisha of Bayshore NY (11/17/08)
Im 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 its 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 Its very essential that they receive all breaks due to the high call volume. The managers dont 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. Theres 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 Im 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. Its 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 Ive decided to take further action in hopes to seeing some results.
Kendra of Fpo Ap (11/16/08)
I accepted a $300.00 unsolicited credit card from Capital One back in 2003, and it's been a huge mistake ever since. The account was paid off and closed in 2004. Capital One has continued to haunt my credit reports by saying the balance owed is $1,918 and there was a charge off of $877. On my Equifax & Experian reports, it shows the account as being closed but Capital One still shows payments being received. On top of that, they show charge offs in between different months on the 81 Month Payment History, and they show the latest charge off being November 2008. How can they charge off something that was already CLOSED years ago?
In checking my credit reports, I also noticed that Capital One has checked my credit report on different dates and they are still trying to offer me credit. If I owe them so much money, then why are they trying to extend me more credit? This just doesn't make sense to me.
Someone needs to stop this company in their tracks because they are consistently ruining people's lives. They keep putting in the negative reports so their account can keep riding on consumer's credit reports. They don't want their information to drop off your credit report in 7 years and it's just not fair.
I don't recommend them to anyone no matter what good rates they cook up, because in the end, Capital One will bring you down. Now it's time for some watchdog group to bring them down!
Luckily I have other items on my credit report that over shadows Capital One. I've paid off auto loans, a credit card, and a few other loans. However, Capital One's continuous negative reporting on my credit report is drastically lowering my scores.
I get anxiety attacks just thinking about how Capital One can hurt my future. I plan to own a home someday, and I don't want Capital One to blow it for me. I have also applied for a federal job needing a security clearance, but the thought of Capital One ruining my employment opportunity just makes me sick to my stomach. Someone, please STOP Capital One's tactics!
Ian of Goose Creek SC (11/15/08)
I have been a Capital One customer for four years and never once made a late payment to them but last year, GMAC goofed and accidentally reported me 30 days late to the credit bureau which of course lowered my credit score. Capital One noticed this and decided to raise my interest rate from 18% to 28%. GMAC corrected the error but Capital One refused to lower my interest rate back to where it was. The guy I spoke to at Capital One could barely speak English and was very annoying and unpleasant to say the least. I only owed about $400 on the card so I paid it off and told them to close the account. I know that Capital One didnt do anything illegal but it was unethical and it was even worse that after the error on my credit report was fixed, they still refused to lower my interest rate. This company sickens me.
Felix of Tulsa OK (11/15/08)
In October 2008 I received a statement from Capital One for a credit card that I had never applied for or opened. I called on October 16, 2008 and had them cancel the card. I received another statement from the in early November.
I take my credit very seriously and am wary of credit card companies. I don't have time to waste with these companies, asking them to cancel something that I never asked for.
Edward of Kingston PA (11/14/08)
Sevral months ago we stopped receiving monthly statements. After we noticed the ommission we called the first time and were told that we had a late charge. When we argued that we had not recieved a statement, the representative said he was going to erase the late charge if we paid over the phone. When we refused and agreed to pay through our on-line bank service in a few days, the agreed. We did so with the expectation that we would receive a statement showing no late fee. However, since then we still have received no monthly statement so we have no idea of what charges they are attaching to our account. Each contact says that they will sent a statement and then request a phone payment. We have refsued until we receive a statement.
Laura of New Haven MO (11/13/08)
I called Capital One last year (2007) to close my account. This is a account I do not use and was in shock when I got a late notice from them billing me a service fee on my account, so in addition to the service fee they charged me a late fee. They at that time refunded the fees and told me they would close the account and to cut up my card, which I did. Well, here we are again in the fall of 2008 and the same thing happens. I thought this account was closed, but they never closed the account, so it remained open and then again I was charged a service fee and another late fee for I had no idea this account was still active.
I phone 3-4 times on October 27, 2008. They said they would close the account and refund the fees in which they charged and said I would receive a confirmation letter in the mail within 7 days. This letter never came but a collection letter did. I called again on November 11, 2008 spoke to 3 people, not for sure what the first gals name was, for hardly any speak english so you can understand. She transferred me to Daisy whos control # is ORT455. She explained to me the account was closed and she would be sending me a letter. I demanded to speak to a manager on duty.
I was transferred and this lady tells me that my account is not closed and will not refund the fees. By this time I had enough--it was not about the money but the carelessness and complete stupidity on their part. This lady was going to then transfer me onto her supervisor, but as experienced countless times prior--I was completely 'hung up on'. So I paid the darn fees and have asked them again to close my account which still remains open today--I can't close this account, but they will continue to charge me fees every year on an account they will not close! I am sending them a certified letter to close the account-I pray this works
I have had to pay service fees and late fees on a card that I don't even have in my possesion, called this perpetrator numerous times. Very stressful and don't want the damage on my credit report due to their negligence of not doing there job, because that's how they make their money by stealing ours!
Michael of Eureka CA (11/13/08)
I was given an offer to transfer the balance of my credit card with Advanta to Capital One and receive rewards for the transfer and be assessed the interest rate of 9.9%. The rewards were never applied and now they tell me that they never will be because that is not available with balance transfers.
$8,680.00 not applied to rewards.
Rose of Sacramento CA (11/12/08)
A credit card was taken out in my name without my authorization or consent. I realized this once I ran my credit report. My husband and I called Capital One repeatedly without much luck. We called about 10 times and each time transfered to one person who transfered us to another person who transfered us to a department and then back to the original person we spoke with. Each call lasted close to two hours.
Through the fraud department we finally discovered that a relative took this card out in my name, using my information. Due to this fact, there were only one of two options given to us. 1. File a police report against this relative. 2. Have this relative sign a statement of responsiblity in which then the debt would be turned over in their name and out of my name, off my credit.
We chose option 2. We mailed this form, signed and filled out completely. We faxed this form to the fax number given to us and on the form itself. Everytime we've called Capital One to verify the info was received, they claimed they never received it. We have since faxed and mailed many times and still no response and they still claim to not have received.
It's been over a year and I'm still at the same point I was when I first discovered this problem. They treat me horribly every time I call, they treat me like the thief and not the victim. Even though it was a relative, it's still fraud and very much a big deal.
My near perfect credit is now at the bottom. I cannot even qualify for a low home loan. This bill keeps increasing in amount and I've missed many days of work trying to deal with this and getting nowhere. It's leaving me very stressed, frustrated, and little else to think about when trying to sleep.
Dottie of Jacksonville FL (11/12/08)
Before my husband of 28 years passed away 9/08, he saw a tv commercial for a class action suit against Capitol One. I am interested in joining it. They have used all of these treacherous tactics on me. They have gotten a judgement against me for $5000. They never rectified the problem they caused, yet they kept jacking the costs higher since '04.
Finally today, I contacted their bill collectors, Pollack & Rosen, attys-at-law. On food stamps, no income since husband died, am a renter, no car, have paper plates & a cat. I told them to send the sheriff: I have nothing! They have been causing me such stress that even Nexium won't stop the acid in my stomach, nor the pain.
Lynnette of Parkville MD (11/12/08)
Many years ago, I received an unsolicted capital one visa card with $100 credit limit. I maintained this card only using it for emergencies with no problem. It wasn't until I lost my job and was only able to pay minimum monthly payments that this situation GREW out of control. I was constantly faced with over the limit fees, late fees, an astronomical finance rate of more than 21% a monthly service fee (just to keep the card) and some more stuff.
When I asked capital one to close the account, they told me they could not do that, but what they did do was to continue to charge monthly fees on the card. They would not accept or make payment arrangements...it was all or nothing. So fast forward 8 years, capital one is STILL pursuing this account...STILL charging daily interest on the account. So what was once a $100 credit limit is now a $5,000 debt.
They (unknown to me) attached my bank account in 2005, and now in 2008, they are trying to go after my wages. I contacted the collection company which now ownes this debt, and they seem not to know anything about the 2005 collection efforts. I contacted my local district court to find out about appealing this recent wage garnishment, to no avail.
Please, somebody help me. I am out of answers. I have heard the Capital One has been trouble in recent years regarding this same type of underhanded unethical practice. Is this true and if so, who can I contact?
John of Fpo Ap CA (11/12/08)
I have had a money market account with Capital One for several years. At the end of last month (October), I purchased two CDs on line. All of a sudden, last weekend, all my financial accounts info was deleted from their website.
When I called (from overseas, 25 minutes on hold) I was told I could not be an account holder though I am retired US military and have my mail sent via US mail to an FPO address because I do not live year round in the US. So, for those active, reserve, and retired military, my advice is not to patronize Capital One or their products.
Other than time and some interest, the inconvenience of having to close one account and open others.
Jasmin of Bronx NY (11/12/08)
i opened an account with capitalone bank and they ate my head up with the free rewards checking account so i accpeted it and the they started saying that i owe them money for overdraft i paid the amount they told me to pay and i added money into my card so what i was spending on the my card was what i put in it they said i was using their money now i owe 211.00 and i dont think it is right that i have to pay for any overdrafts i didnt do and now i have bad credit because of their mistake
Now i cant get an apartment because of the fact that they made me get bad credit and i am upset because that just aint right i need help beca | 
