Complain about a product or service

Capital One

Louis of Edison, NJ January 4, 2010

I called in November to get a pay-off quote and I was told it would be 10,764.41 and I made online payment that same day or within the next few day. I checked my bank statements and I saw the money come of my account. I called them today because I haven't recieved my title yet. I was told that I still owe almost 500 489.24 or 492.26. I asked to speak to a manager and they hung up on me. I have to pay 492.26 and they still charging me interest.

John of Shreveport, LA January 3, 2010

I had bought some Acai diet pills online. I stopped any further orders, but the company went ahead and billed me anyways. Next, I cancelled a magazine subscription and refused any further magazine from my postal carrier. I even went as far as to write a letter to the company. This whole matter is about a couple disputes which were not resolved, and now six month after the fact Capital One expects me to pay for something I discontinued. They refuse to back me up with the merchant.

The credit card in question has not been used since the day of these disputes, and I am the only one who has access to the card. I have gone over this matter with Capital four differnt times, twice today alone.

Karen of Washington, DC January 2, 2010

To make a long story short, the bottom line is: I have paid every penny that I owe to Capital One, and they still have not released my account. I know this is on purpose, because they faxed the release order to my bank without a signature from the Judge. Capital One knew that it had to be signed by the Judge, therefore when they faxed it without the signature, that's proof that it was an intentional act and that they wanted to inflict emotional distress on me.

They should not and do not have that right to cause that kind of harm on a human being EVER, much less after they have been paid every single penny they claim owed to them. Do I have any rights here? Does a credit card company have that right to withhold a person's bank account when they have been paid completely every single penny?

If Capital One had told me beforehand that they were going to garnish my account, the whole thing could have been resolved before it had gotten to that point, but they waited until two days before Christmas. To wait until then, that act, alone, shows evil intent and cruelty towards me. Apparently, Capital One doesn't want money to be paid, they wanted to punish me, because I have paid them the money and they are still inflicting punishment on me by not releasing my account back to me.

Michelle of Salt Lake City, UT January 1, 2010

After having a Capital One Credit card with a 500 limit, in 2006 I could not longer pay the minimum because of financial circumstances, job loss, car repairs, and medical bills. I went over the limit not because of spending but because of Capitol One's fees for everything. Fees for being late, fees for being over limit , interest rate changes which put you over limit so that you have to pay more fees etc.. In a short amount of time my bill kept climbing and I kept falling behind. I called and canceled the credit card when my bill was around 700.00. But the fees didn't stop.

As of today, I am still trying to pay this bill and it is now over 1000.00. I'm basically able to pay the over limit fee 35.00 and an additional 30.00 - which when you subtract interest doesn't amount to much. I'm prudent on paying on time since I don't want the 'late' fee as well. Anyway they called me 4 times this morning, New Year's Day, to tell me that I am over limit and they would be glad to take a 500.00 check over the phone. When I explained to them that I am only able to pay them what I agreed to pay them in November when I paid them 200.00 they asked about my tax refund. I explained to them that last year I owed the IRS and that I couldn't promise them anything. They said, "hold for just a minute" and I was on hold for a very long time. I eventually hung up.

Long story short. I will be GLAD to be done with Capitol One and will make it my business to never do business with them. I liked what Claudine of Sycamore, IL said, "I'm sure they charged a late fee then an over the limit fee when the lpc and finance chgs put me over the limit. It is also interesting that the 100 plus court cases that day the majority of the credit card companies most of the case were from Capital One. I have had other credit card with the same limit and in the same situation, they never had a balance this high for added fees and also settled the account for amount of the orginal credit card limit. They also were able to contact me at my right mailing address and phone.

It is very suspicious that at a time when credit card companies are about to be limited with legislation that they are agressively pursuing collection with out prior contact. I find this to be abusive and only hurt those consumer that are financially struggling. I have paid back the orginal 500 many times over with the finance charges, but this amount is rediculous." It is rediculous. I agree.

Janice of San Jose, CA January 1, 2010

I wasn't late and paid by due dates, but Capitol One raised the credit card rates from 9.9% to 17.9%. I called 2 different times: they say that they can do this and won't change my rate back. When I have paid them off, I will cancel my card. After reading other's nightmares with canceling, I think I will make sure the cancellation goes in registered mail. I would love to see Capitol have a case action lawsuit hit them. Capitol One gave themselves a hefty raise.

Sinisa of LV, NV December 31, 2009

When I was activating my new card with no interest for 1 year I was told 3 times that I will not be charged interest for 1 year nor will there be balance transfer fee. I was advised to take advantage of full credit limit because there are no other fees that would make me go over limit. However first statement I received it showed finance charge of 13.90 under special terms financing. The card that i originally had transferred from had APR of only 7.99. When I called Capital One they said that this was in my contract under "Special Terms" and that i should have read my contract. They also said there is nothing they can do.

I was very upset and I sent them full payment through online Bill Pay and they received it 4 days before deadline BUT they posted it to account 2 days after deadline so they can charge me late payment of 39. I called them again and once again they told me there is nothing they can do. I closed my account with Capital One and I advice everybody else to stay away from that company because they will do anything to rip you off.

Heather of Antioch, IL December 31, 2009

I received my December statement from Capital One and at the top of the statement it stated that "per your previous disclosure your interest rate will be rising effecxtive January 2010". I immediately called asking what this was ll about because I never received a previous disclosure. I was then told by customer service that in Feb 2009 I was allegedly mailed a disclosure stating that my rate would be going up in January 2010 unless I opted out by April 17, 2009. I explained that I never received any such mailing and that I should still be allowed to "opt out" since I never received it. I also asked if they had proof that such a mailing had been sent. I was told repeatedly that there was nothing I could do. Hoqw can a company operate like this and get away with it? How can they say well maybe it was lost in the mail but you are still responsible for it....if they are mailing something so important shouldn't it be sent with your statement to ensure that you receive it or post it online to your account? I mean there should be provisions for customers who do not receive such a mailing.

Suzanne of Ambridge, PA December 30, 2009

December of 2006 this account was turned over to Provanta Corp. for debt settlement. Provanta Corp. was unable to settle with Capital One Corp. Last year the law firm of Nudelman, Nudelman & Zierin; 425 Eagle Rock Ave. Roseland, NJ 07068 ATTN: Paul J. Klemm sued us 2/21/09.

yusuf of houston, TX December 30, 2009

I have had too many problems with Capital one. I have been a customer for over ten years. Before they were Coastal, then Hibernia, and now capital one. When I signed up, they were a wonderful bank. The manager and employees went out of their way to help the customer. Some of their managers were super nice people. Very understanding. A couple of them were Kevin and Altaf. They have been transferred elsewhere since then. When hibernia bought out Coastal, their customer service went down a few notches, however not too bad.

When Capital one bought out hibernia, the customer service just plummeted. I have had several very nasty incidents with them. Most of the good managers they had either left or were transferred elsewhere. The new manager at the Mason road branch in Houston is super rude. One time me and my wife went to use the locker box, waited almost an hour, after we signed our names.

The manager allowed some people to use the locker box ahead of us. When we asked her why she allowed others to use the locker room ahead of us, she very rudely replied that they had been there before us. We showed her the sign in sheet, and showed her our names were ahead of everyone else's. At this point she became very nasty and replied that we had left our place in line. The funny thing is, there was no line!! People waiting to use the locker box were sitting on couches, till their names were called.

However, There is only one person at the mason road branch who will still go out of his way to help the customers. His name is Ketan. I know it is only a matter of time before he leaves or is transferred elsewhere. I called the mason road branch one time wanting to know why the interest rates had gone up so high, it was probably the manager who got on the phone, and told me very rudely that they had mailed out notices to everyone, and if I had not read my notice, then it was my fault.

Since then I have opened an account at Wells Fargo. A very big difference in attitude. I will be transferring all our accounts to Wells Fargo. They are happy to see you arrive. Unlike capital one. They are happy to see you leave.

Stephen of Nashville, TN December 29, 2009

My story is a simple one. I had a limit on my credit card with capital one of 7000.00 dollars. I had it lowered to 500.00 for security reasons. I have bought three cars and over 20000.00 dollars of equipment through capital one. I have never in my life missed a monthly payment. But because I went over 72.00 I was turned over to collections. For the 72.00 dollars.

The collection company said they had to have access to my banking account to retrive payment. I said no. I told them when my bill comes due in 20 days I would pay off the total amount. They said no. They needed the money now. I hung up. Over the next five days this same collection company called demanded the 72.00 dollars. I told them again and again I would pay it off when it comes due. I ask them to stop calling because I worked nights and they keep waking me up. They said they will call everyday untill they get there 72.00.

I called capital one and paid them the full amount 15 days ahead of secudule just to have the collection company to stop calling waking me up. I must admit I liked capital one for many years. Their rates were good and front line customer service was good also.

But don't make the mistake I made, going over you limit to them is a capital offence. What ever happened to just adding a fee for going over and letting the customer pay for it. Why be such sharks about a simple overage. It looks like to me Capital One no longer cares about customer service. Beware

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