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Capital One in Bowling Green, Kentucky - Too Many Phone Calls/ No Communication
I have a capital one account. I have been making my payments although they have been late. My problem with this company is the fact that they will call at least 4 times a day and every day all week. Also, recently they have taken it upon themselves to now contact me while at work. This is against the law. Keep it up and I will make sure a lawyer gets involved in the near future. From what I understand, I could lose my job when bill collectors take it upon themselves to use my work number for their harassment calls. This company should learn to communicate to each other. Then they would know that I had already talked to someone the same day they call. Like I said, Keep it up. I always wanted to own a company. Have a nice day!!!
Privacy Violation Committed by Capital One
Round # 1 In 2006 I was unemployed and couldn't make monthly payments on a number of my debts. Most of my creditors give me some leeway in meeting my payments but Capital One sued me instead (for my credit card balance of around $8000). Agents for Capital One could not locate me in order to serve me (personally) with the "Statement of Claim (SOC) issued by the Court of Queen's Bench of Alberta. So the Agents for Capital One dropped off the SOC at a company where they thought I was employed. They left the SOC at the reception desk of the company. The SOC was open to view and not sealed in an envelope, thereby allowing the company's staff to see that I was being sued by Capital One as well as the financial details. When I was advised of what had happened, I complained to both Capital One and the lawyer representing them. I stated that the manner in which the SOC information was distributed infringed on my rights under the PERSONAL INFORMATION PROTECTION AND ELECTRONIC DOCUMENTS ACT (PIPEDA) of Canada. The response I received back via their lawyer was that Capital One didn't feel there was any breach under the PIPEDA provisions. So I lost Round # 1 Round # 2 is my official PIPEDA complaint filed with the Office of the Privacy Commissioner of Canada and the results of their investigation. Round # 3 is the apology I received from Capital One in October 2009 (3 years too late and 10 bricks short of a load) and my last letter to Capital One in response. Round # 4 is the Rap Video documenting the Capital One Violation episode. The video is being produced by the "Trailer Bark Boys" (a band from the Alberta Foothills). The video will be posted to YouTube on May 1. Details of Round 2, 3 and 4 will be posted on Capital One Pissed Consumer on March 17, April 1 and May 1 respectively.
Capital One in Owasso, Oklahoma - Iwas going to complain but......
I make my payments on time a do not gripe and say it is the companies fault if i miss one. All of you need to take responsibility for your own actions.
Capital One in Portland, Oregon - Not that bad...
I have been unemployed for a year now and could no longer pay my capitol one bill.... I called CO and cancelled the card than called PP and they helped me make a payment && on top of it the lady that helped me was so polite and kind. She explained what PP could do for me and why I should keep them untill I pay off the card completey. As long as I have an existing balance on my cc they will help me once a year with and emergency payment. All in all I was very satisfied and DID NOT cancel my service.... I would have to say I love my PP plan!!!
Capital One in Newburgh, New York - First statement already had late fee attached
The first statement I received had two payments due and a late fee attached. I called customer service, I was told nothing could be done. I asked to speak with a manager, I was told if I made payment by phone then I could speak with a manager. I said that what they had done was illegal, I was then forwarded to a person claiming to be a manager, he told me that if I made the payment by phone, he could remove the late fee. This being the first statement should have only one months minimum payment due plus the annual fee, I did not have two months of each plus a late fee; and the fee for making a phone payment. His reply "then I cant help you" After this I said that I wanted to make a complaint about about not being allowed to speak with a manager and was told that if I did not want to pay the bill he was not going to talk to me. At this point I hung up. Now what?
Capital One Should be Boycotted
In 2003 I lost my job and went homeless. I wound up being homeless for a whole year, unable to find a job. I tried to work with Capital One, but they wouldn't offer me any way to lessen my payments. Instead, they just added on over-the-limit fees and late fees ($25.00 each) every single month. Then, I got on SSDI, because I was being treated for depression among other disorders and I had to pay the full amount of rent. I offered to pay Capital One $25.00 a month. They refused to take it. If I decided to pay them the the $25.00, they would still add on the montly $50.00 fees. I may as well be not paying them. So, after three years they gave one of my accounts to Zenith, a collection agency. They accepted the $25.00 a month. Why did I have to wait three years for someone to work with me? Well, that went fine and I eventually got it paid off. In the meantime Capital One sent my account to Solomon and Solomon, another collection agency. This agency absolutely refused to work with me. They put me through ***. Even after I started paying them ($100.00 a month--a steep payment for someone on SSDI) they threatened to drag me into court and make me pay the court charges. I had to go to a debt consolidation agency and for the last four months Capital One has been taking the money from them and yet rejecting the account--how can they take the money and reject the account at the same time? They are now hassling the debt consolidation people. I think capital one should be boycotted!
If you find a fraudulent charge on your capital one card, do not waste your time trying to resolve it. You will be put on hold over and over. They will send you a letter telling you the dispute has been resolved only to keep charging you for the disputed charge and...
I have tried for two weeks to talk to a real person at Capital one. There is no option on their menu for talking to someone. I've tried every number that I can find. I need to get the payoff on our car, but the automated system only gives the original purchase...
Beware of Capital One Auto Financing
I was looking to purchase a new car and searched online for the best rates. Capital One offered 4.7% with an online application process which I submitted.Instant approval and an email to confirm. I called them and provided proof of earning by fax. All was approved and verified. I chose my car, completed the purchase paperwork and arranged for pickup. The Capital One blank check arrived with instructions for use. I transferred my insurance to cover my new car. On the same day of issuing the check, Capital One called me and canceled the check and told me to find alternative financing. No reason, poor attitude and did not care about the inconvenience caused. I have a 800+ credit score with ample income to cover these small payments..... Extremely poor system to approve the loan, issue the check and cancel at the last minute. No one from my house will ever use Capital One for anything.
Capital One Rip Off
Capital one just sent us a 1099c (I think that was what it was called) "cancellation of debt". however it wasn't really a cancellation of debt... basically they over charged us interest and piled late fees on top of late fees which took us over the limit, so then they piled over the limit fees on top of late fees. It was a big mess and none of those fees should even have been put on our account - it was their mistake. I told them I wanted to close the account but I was only willing to pay the balance I owed, not all the fees they piled on top. They agreed and We paid them off with last years tax refund, exactly what we owed. They reversed all the fees - or so I thought. Now they sent us this cancellation of debt form. I'm not sure what I'm suppose to do with it so I'll give it to my tax preparer along with my other paperwork, but now I guess its going to affect our taxes refund somehow. Don't do business with Capital One!!!
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