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Capital One in Washington, District Of Columbia - They approved our car loan and denied it 2 weeks later..

we got approved all paper work is signed and turned in because of a address conflict we had to resubmit paper work with our military address and now they denied it cause we will be living on post mind you my husband is military is this legal??????????? i am at my witts end with these people and they cant seem to give me a honest answer why we were denied i have had enough... i am trying to find out if this is legal for them to do once the paper work was done we made our down payment and everything went through can the y go back on something like this...i though once it was done and you signed everything then that was it
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1 comment
tomyewest
#166890

Unfortunately, the fine print states that a contract can be deemed null and void at any given time. They are required to give reason, but even so much as failure to divulge one tiny detail (even in THEIR favor, ie.

extra money you make) can be reason enough (by law) for them to revoke a signed contract. I will be warned though, as I just purchased a vehicle through Capital One and will now need to wait a few weeks to make sure the vehicle is mine.

Review
#181811 Review #181811 is a subjective opinion of poster.

Capital One

THE WORST experience ever with the Capital One - that should be in their add. They really tyrannize people with the rates and fees and charges, when people really didn't deserve it. I've heard thousands of stories from "black mailing" when they send 10 letters per day with proposals to open the account to the story when people having troubles closing that account. The customer service is really awful and hopeless! to reach out to them is another story...There is NO WAY you can reach the right person to talk to or the person to talk to at all, cuz everything is just *** machine, which has the goal to *** you off so you hang up the phone and give up with whatever idea you had...It is disgusting and to go back in time, i would never even look that way where the bank is...the only reason i did was to start the credit as i'm not american. well, i guess for that you have to suffer! Anyone who wants to open an account, think twice, or actually 3 times...and my suggestion: run away as fast as possible so you want get yourself a headache for many days to come....
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Review
#181311 Review #181311 is a subjective opinion of poster.
I have an auto loan with capitol one. I am having financial difficulty and have told them about my problems. I receive phone calls fromn them every 45 minutes. It is very frustrating. Additionally, they outsource their customer service to India and that is even...
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11 comments
Anonymous
#521074

If and when you have a problem with Capital One or any other bank contact an attorney and have him contact the bank, or contact your local newspaper investigative reporter and have them look into the problem, bankers do not like bad publicity, or you could even contact your states attorneys office to look into the problem you are having.

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#180721 Review #180721 is a subjective opinion of poster.

Capital One in Orlando, Florida - Lowered Limit after paying large amount

I reserved a moving truck to move my deceased mother's furniture, so I made a 1000 dollar payment to Capital One to make sure there was enough money available. Then three days after I made the payment, they lowered my credit limit 1300 dollars and now I dont have a way to pay for the truck, which requires a credit card. Besides not having a credit card to pay for the truck, it also hurts my credit rating because instead of only oweing 1/2 of my available balance, Now I am almost maxed out again and they dont seem to care.
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1 comment
Anonymous
#266559

I just paid 1/2 of my balance off and they lowered my credit limit down to what I had left. They said it was because I had a high balance and did not pay off the balance every month and the other reason was that I didn't have a mortage payment (duh! My home is paid for)

Review
#180718 Review #180718 is a subjective opinion of poster.
Loss
$1300
We're suing Capital One for illegal, deceptive, and unfair practices. I have evidence to nail them in federal court! Join me in a class action lawsuit that is screwing millions of customers out of BILLIONS of dollars illegally! Send us your complaint, we'll...
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5 comments
Anonymous
#191204

I just received a bill from capital one

stating I owe them 102.33 plus interest,

from july, aug, and sept of this year

This account was paid in full, 2 years

ago and closed out by Capital One. You

talk about *** people. And they have

the nerve to send me a bill plus interest. I am sick and tired of being taking advantage of people like Capital One.

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Review
#180695 Review #180695 is a subjective opinion of poster.
I entered into a car loan with Capitol One about 3 years ago... since that time, my income has dropped to 30 percent of what it was when I bought the car. I kept up with my payments up until a few months ago, when I tried to refinance, and the refinancing was denied by...
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#180514 Review #180514 is a subjective opinion of poster.

Capital One in North Dartmouth, Massachusetts - Capitol One I have had my interest raised 2 times without being notified

I have had my interest raised 2 times without being notified. I have gotten in touch with Capitol One and have been told "your credit is OK it's just the way it is". After trying to get a straight answer some one on the internet gave me this address and I'm not saying it going to solve your problem but if enough people complain they will listen and act. If you have this or any complaint with Capitol One go here and lodge a formal complaint: Office of the Controller of Currency https://appsec.helpwithmybank.gov/olcc_form/ This is this the government body who regulates Capitol One. Believe me they listen and want you feedback and they do question Capitol One on any and all matters .
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Review
#180408 Review #180408 is a subjective opinion of poster.

Capital One in Phoenix, Arizona - Capital ***

I made the mistake of using Capitalone for auto financing which was a big mistake. Well.... my vehicle was stolen in Jan of 2008 and at the time I had state farm. Now during the whole time I never heard a word from state farm. But I did hear from Capitalone demanding a payment for a vehicle that ws stolen which I refused to pay for something I don't have. Now needless to day that Capitalone and state farm came to a settlement. I was notified after wards about the settlement which didn't involved me. But I was told by Capitalone that I owed them $9400.00 and that I could roll that over into a new car. I told the rep on the phone he was nuts. But since then Capitalone did a charge off on the balance but they update it every month like its a current account. I can't wait for their doors to shut. I have tried disputing the information with the credit bureaus and all three state its valid.
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2 comments
Anonymous
#244177

Apparently "Collector" you don't know everything and for the record I had another loan prior to Capital Crack. Apparently you work for the crooks themselves and your thinking is all the way screwed up. Just face facts Capitalone is a POS and their end is near.

Anonymous
#243786

just because your car was stolen doesn't mean you are not respondsible for your loan. COAF gave you a loan when apparently no one else would so why shouldn't you owe for the car?

Coaf didn't agree to loan you the money to have you not pay it. Your insurance company is the one who didn't protect your interest if they didn't settle for the complete payoff.

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#180219 Review #180219 is a subjective opinion of poster.

Capital One in Palm Springs, California - CapitalOne Costumer Service

I have been a Visa Signature account holder with CapitalOne for a number of years. I've been lead to believe that not just anybody is able to obtain a "Signature" account. That holds little value with CapitalOne. I was looking into redeeming some of my reward miles and discovered I was 28 days past due on a whopping $68. What really angered me was that I had never received a paper bill nor an email informing me of my balance. I immediately scheduled an online payment through my bank. I then proceeded to try and purchase an airline ticket. Guess what? CARD DENIED! I called CapitalOne, got disconnected from the first representative and called back. After receiving the run around I told them I wanted to speak with a manager. Same thing from the manager. They refused to re-instate my account till payment had been received. Had my account had a history of late payments or past due balances I might have been able to understand; however, considering my account has never been past due or even carried a balance, I was livid. If this is the way they treat their high value accounts, they can keep them. I'll be taking the remainder of my business elsewhere. I'll never do business with CapitalOne again.
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Review
#179599 Review #179599 is a subjective opinion of poster.

Capital One, You're Going Down!!!

I'm filing class action lawsuit against Cap 1 for illegal, unfair and deceptive conduct & violating the FCT laws of FCBA and EFTA as well as consumer protective laws for the state of MA. If you live in MA, send me your complaint: PO 1207 Littleton MA 01460 or email Enoughspam@aol.com, let's take them down! Attorney Gen says if there's enough of us, it'll be class action lawsuit like the AG in WV did in Jan and won! They have their mail courier hold mail until it's late! Can you say illegal? Electronic payments never posted...so they can charge late fees. Then they jacked up my interest rate to 30% saying it's because...you guessed it...I was late! I paid WEEKS in advance, got printed receipts with confirmation numbers, but they didn't care and charged me anyway! Now they're taking me to court...only they don't know, I've got evidence to take them to court on much bigger charges! Time for us small David's to take down this Goliath! Everyone, write to your Attorney General, write to BBB, to your elected officials, don't be quiet about this! They're crooks! We can stop them!
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2 comments
Anonymous
#169518

Yes, they have assessed me late fees for bills that either never arrive, or arrive after payment is due! They will only e-mail you an alert 1 week before payment is due.

I have never had a statement arrive more than one day before payment due date. This is clearly a racket, and attempt to screw their customers.

Anonymous
#137499

Recently moved to a new city where Capital One is the dominant bank. I opened my checking account with them because there is a branch/ATM in my institute.

I also opened a business checking account. I realized how bad it is compared to my previous bank, Bank of America! First I only began receiving my statement 4-6 months later. Secondly, their the website is horrible compared to BOA's: it is slooooooooow!

It is intuitive. And worse it does not have PDF files for your statements. The statements you print off their website are useless when you try to apply a mortgage. The statements do not have image of canceled checks.

They look like someone make them up from Word. The people in branch offices are incompetent and slow. They have a sign over their ATM saying checks will be posted on the same day if deposited before 5pm.

You can not get it deposit within 1 business day if you deposit over the counter! I have a volume of $45000 per month for my business account, I do not deserve this inferior service!

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Review
#179427 Review #179427 is a subjective opinion of poster.
Loss
$3