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Capital One in Newport News, Virginia - Calls all hours of the night

Capital One has been calling me 15-30 times a day, Seven days a week and as late as 10:45pm. my account is current or so i thought, i don't like to talk with them on the phone because of problems they caused me earlier in the year. i did answer the phone call at 10:45pm so there would be a record of who was calling me and they stated i was behind on my loan. long story short, they told me that there were late payments that were applied to my account from over three years ago. i don't know what to do about that, if there were late payments due three years ago, why did it lay dormant for three years and then all of a sudden spring up along with the harassing phone calls day and night. over the phone i disputed the late charges from 2007 still haven't heard anything about it.
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1 comment
Lacie
#179975

Hi Lonestarst8, I work for Capital One Auto Finance and saw your complaint. I would like to try and assist you. Would you mind contacting me via email to discuss this matter further?

Thank you

Lacie

Review
#190944 Review #190944 is a subjective opinion of poster.
Loss
$8000

Screwed by Capital One - July 2010

I have been a Capital One cardholder for 10 years. In Feb 2010, I received a letter from them stating my "Introductory" APR expired. The net result was my rate immediately changed from a steady (for numerous years) 4.95% to 15.9%. After reading that letter, I immediately called their customer service line to ask (1) why since I have never exceeded by limit nor made a late payment and (2) what options did I have to get my rate back to what it was or at least lower. I was told (quote) "We understand your frustration but apologize as there's nothing we can do at this time to lower your APR. Please call back next month to see if it's possible at that time to reduce your rate. In the meantime, I'll notate your account that you called to inquire about lowering your rate." Since Feb 2010, I called each month with the same question and was literally given the exact same (scripted) reply. In the meantime, my monthly minimum payment more than doubled to Capital One. I've struggled but paid each one and did so on time. July 2010, after six months of struggling and calling Capital One, I called again with the same question and was told by "Seth" that I could "OPT-OUT of the NEW terms" that caused my APR to jump. I immediately reacted, informing him that I've been asking this question for six months .. why only now was I offered this wonderful news? His answer: "We are DISCOURAGED from telling customers about the opt-out option which also places your account in RESTRICTED status." I asked what "restricted status" meant and he clarified that "the card could NO LONGER BE USED for purchases BUT would reinstate your original APR of 4.95%." I nearly shouted "PERFECT!" when he told me this news. He said he would need to transfer me to a "senior account specialist" to complete my OPT-OUT request. I waited approx 5 minutes and another gentlemen took over the call. He was quick to tell me: "You've unfortunately MISSED the window of opportunity to OPT-OUT of the new terms and, therefore, you are STUCK (he actually said STUCK) with the new APR of 15.9%" WTF? I was LIVID. I told him how I've called for six consecutive months asking how I can get my old APR of 4.95% back but was told to call back .. and that my inquiry would be noted on my account. He proceeded to tell me "I'm sorry but there's no record of you ever calling - to ask about your APR or any other reason". If I could have jumped through the phone to strangle someone at Capital One .. I would have. I told him this is a SCAM and that I would be blogging this online on as many websites as I could locate. He said (quote) "I would do the same if I was in your situation". Either way, Capital One are running a DIRTY business of lending. Just google "CAPITAL ONE SCREWED" and you'll find a ton of posts like mine. I wish I could dump this account but, unfortunately, I'll be stuck paying off the balance well into the foreseeable future. I have since submitted a complaint at: http://www.occ.treas.gov/customer.htm
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1 comment
Anonymous
#167908

Thank you very much for the info. I got an offer from them in the mail and I was just about to except it but i decided to look for reviews from capital one and I came across yours. You sure saved me a headache:)

Review
#190795 Review #190795 is a subjective opinion of poster.

Capital One in Woking, England - Ignoring my attempts to speak by putting the phone down

Trying to explain my circumstances has been a nightmare over the last 3 weeks when they have phoned me or i have phoned them they have acted like children and cut me off in mid-sentence i find this behaviour pathetic so much so that i have complained to the fso about this i am now being as awkward to them as they are to me maybe something to do with the ppi claim i put in they are a disgrace and should be heavily fined and there future srevices closely monitored in all the years i have used finance companys they are the worst ever i have dealt with
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3 comments
Anonymous
#199185

IM tired of all these so called american owned companys giving out jobs overseas, when our economy is ***, heres an idea give jobs to the ones that deserve it first

Anonymous
#172270

I have had exactly the same thing! They can't speak understandable english, they just keep repeating themselves and they like to make out that they're somehow better than you are - I was once told (whilst explaining why I couldn't make a payment) that they "knew I'd had some problems." And they keep you on the phone for as long as they possibly can.

Anonymous
#167819

......Grow up! :cry :cry :cry

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Review
#190793 Review #190793 is a subjective opinion of poster.

Capital One in Capitola, California - Capitol one has no customer service!

been getting calls from capitol one demanding a payment of 34 dollars over the phone,when i owe 77 dollars! then they demand my social security number! i hang up! they call back and demand the same thing! i hang up again! i call the customer service line on the back of the credit card and ask for a supervisor, and they refuse to connect me, yelling and screaming! all i want to do is pay my bill, they won't let me because they won't send me a bill!! this company should be shut down by the FTC!!!
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Review
#190447 Review #190447 is a subjective opinion of poster.

Capital one charged me two late fees on $2.08 interest after I paid off entire balance!

I paid off entire balance on my Capital One credit card in May. Yesterday (7/14/2010), I got a letter from them, said I had $32.08 due. After checking my online record, I noticed that there was $2.08 interest charged to my account after I paid it off, and two past due fee ($15 each) charges on it. Since I only received the letter from them two month after, I called Capital One service trying to get the past due fee removed. Instead, I got a very rule customer service - the rep wouldn't even let me finish my sentence and refuse let me talk to anyone else! Of cause, I didn't get anywhere, and ended up paying the fine and closed my account! It was such horrible experience! I'll never use their serve again in my life!
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2 comments
Anonymous
#253948

p.s. they charged me the past due fee more than a week before the due date, refunded me the first few times and the last time they wouldn't

Anonymous
#253947

Me too! I was paying minimum payments on on a 100 dollar bill and they charged me three or four past due fees, the last one during the bail out and they wouldnt remove it and I said *** you Im not paying that *** you aint gonna rob me now i owe them 1,500 ++ dollars

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Review
#189458 Review #189458 is a subjective opinion of poster.

Capital One in Santo Domingo, Distrito Nacional - They do not protect against fraud as advertised!

We booked two nights at a resort online. The webpage asked for my credit card information ONLY to guarantee the reservation. My card information was used to HOLD the room only. We arrived and checked into our room. The next day we had friends visit us and they asked if we would like to stay with them that night. We went to the front desk to inquire about checking out after staying only one night (instead of the two we held). We were assured by the man at the front desk that the credit card used to hold our reservation had not been charged and there would be no problem or penalty if we checked out. Having been given this assurance by the resort, we checked out of our room and paid for our one night using an HSBC credit card. When we arrived home in October we saw that our Capital One card had been charged for 2 nights (after I had already paid at check-out)! I immediately called the resort and they were adamant that they had no record of the charge in question, saying they had not charged our Capital One card since they had received payment in full from us at check-out. I called the resort again to verify, and was again told that they had no idea where the Capital One charge came from. When I tried calling the number provided on our Capital One statement I got some obscure message from a company I did not recognize. That is when I had no option but to dispute the charge. Capital One would NOT send me the information to finish the dispute! I have record of calling them over FIFTEEN times to get the paperwork required. Finally - SIX MONTHS LATER - the required paperwork was filed. When I called to check the status, I was then told TOO MUCH TIME HAD EXPIRED! They would not honor the dispute! This is not the first problem I have had with Capital One. I will close my accounts with them and never use them again. They are an incompetent and untrustworthy company.
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Review
#188832 Review #188832 is a subjective opinion of poster.

Capital one rip offs

i was late on two payments my interested went from 7.9 to 29.4 and they wont lower it for two years of on time payments, i tell you make a person want to file bankrupcy and they will get nothing!!!! i have talked to them and have been on time for over 9 months they still will not lower it, these guys suck you in with a lower intersted rate and then jack it up, but our god old goverment will bail em out but not us, go figure that one out, capital on is a pretitory lender. plain and simple
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Review
#188810 Review #188810 is a subjective opinion of poster.
Loss
$1000

Capital One in Keystone Heights, Florida - CapitalOne Won't let me pay them?

All I wanted to do was pay my credit card bill. I've spent the past 7 hours attempting to log in to do so. It continuously tells me cookies are disabled when they aren't. I'm sure somehow I will wind up paying for there mistake. I just want to pay the bill and go to sleep. But all I get it log in error. This is the most ridiculous thing i've ever seen. Why cant i just log in and satisfy the debt? Why all this hassle. Maybe If I'm lucky I can pay it over the phone and be done with it.
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4 comments
Anonymous
#1027949

I am having the same problem, I want to pay balance so I have full line of credit to order a part....and they wont let me. I can log in, but it says balance zero even though it is not. As soon as I pay it off, Im never using it again.

Anonymous
#163498

Hmmm Snail mail (us post office) in this day and age? I'm assuming you also accept welfare?

XD.On to dearest jonathan.... Before you pretend to know a computer from a sandwich, make sure you're making a good guess. For some odd reason unknown to me the time and date was wrong on the computer, and it was set a year into the future. How this prevented me from logging in is beyond me.

But correcting it fixed the issue. :grin :roll :roll

Anonymous
#163334

There's this new thing out there - it's called US Mail. It's pretty neat.

You write a check, put it in an envelope, write on the envelope where you want it to go, stick a stamp on it, and put it in a mailbox. Wow!!

What a concept.. :?

Anonymous
#162654

You're an *** if you are trying to blame Capitalone for your computer's lack of cookies! I have never had problems logging into their site.

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Review
#188802 Review #188802 is a subjective opinion of poster.
Loss
$800

Capital One - BAD Customer Service !!!

I made a campground reservation and later reviewing my Capital One cc charges on-line found out that the reservation fee was charged twice to my account. I called the campground, but they denied that they charged twice. Then, I filed an on-line dispute with Capital One explaining that I was charged twice for the same campground reservation. Clear?! ... NO!... Not for Capital One Customer Service... They sent me a 3-page paper form, saying that they don't understand my claim!!! What's so difficult to understand in the statement:"... I was charged twice for the same campground reservation that I made..." By reviewing my account activity you could easily see that there were two the same charges... But no, that wasn't good enough for Capitol One Customer Service. Even though I filed on-line, they sent me a 3-page paper form to fill out. What it is, is a simple case of trying to discourage you from filing, and very poor customer service and protection of customers.
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1 comment
Anonymous
#183396

i want to get a card but after i read the comments from some customers im not sure.craigkimberlin@aol.com

Review
#188668 Review #188668 is a subjective opinion of poster.
Loss
$30

Capital One in Rochester, New York - Charge for protection

I had A capital one credit card . which I paid $200.00 to open . added card protection . they never added money or returned any ! so I emptyed my card . Had trouble with the law , went to Jail for 4 years . now that im out , they want to charge me $2,381.31 for card protection on A card that had no money in it or was overdrawn , because they never put any of there oun money into it ! so now what do I do , who do I file A complaint with , there hasto be someone can help me ! im real mad about this , HELP , James Kaminski
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Review
#188197 Review #188197 is a subjective opinion of poster.