Latest review first
Capital One Payroll- The Worst Payroll Company
Consistantly the systems are down. No one ever answers their help lines you have to leave messages. It has happened to us on two payroll days in the last month alone! It took them Friday Saturday Sunday and finally Monday we received a call! They don't work weekends or days after holidays or apparently the hours stated on their websites. Thanks to them our employees won't be able to Christmas shop today. No paychecks. No one available to help or answer questions either. It is not an inexpensive service - we will be looking for a different payroll company this week.
Capital One in Newark, New Jersey - Am being penalized for family members credit card on my credit report
Capital One put a family members info on my credit report. They listed me as an authorized user without my permission. Originally my son had asked if it would be okay for his mom to take and relay info regarding his account while he was at work. They then put me down as a user thus when payments were late it went on my credit report and I had my score drop 57 pts. I never signed anything either. It's too easy for these companies to ruin your life,where are my rights in this? This will take months to straighten out I'm sure.
Capital One is horrible.
I got a letter from Citibank about going up on my interest and they were closing my MC account after it is paid out (I have perfect credit with them). I decided to get a Capital One card and close the MC account. I decided to transfer my MC balance to Capital One at a lower interest rate. After making that mistake and realizing after reading how horrible Capital One is to do business with, I decided I would not activate the card when I got it. Get this: They transferred the balance from my MC account BEFORE I even got the card or activated it PLUS they transferred a larger amount than was even owed on the MC account. I am one angry gal.
This time, it's my turn. Capital One will no longer lie, cheat or steal from me. I've reported them to the Better Business Bureau, I've contacted my state's House and Senate representatives. I will be sending letters to EVERY single address known to Capital One...
Capital One in Westlake Village, California - Shady practices
Please see this review on Yelp (search for Capital One in McLean, VA) and contribute there! Capital One uses some shady tactics. I've noticed an uptick in complaints on consumer advocacy sites. I don't know the law but, at best, they're skirting that line. Even if what they're doing is not illegal, it is at least immoral and annoying to customers. While I will look into class actions for patterns that emerge here, we still have a recourse as customers to simply walk with our feet and to get as many people as possible not to become a customer. Remember that "No Hassle" card with "fixed" rates they teased in front of you when times were good? Well, it should've been branded the "Capital One No Hassle (when it's convenient for us) and Full Hassle (when we need to) Card." Apparently, they just have to send a tri-folded piece of cheap paper self-mailer (all the more easy to ignore) that says, "We're upping your rate and if you don't like it, decline it and you can pay off your balance under your old terms." What they bank on is that it gets lost in the shuffle and you neglect to decline the new terms. Oh yeah - you have to do it in WRITING. With a STAMP and the POST OFFICE. Why? That's to make it as hard as possible. That's the same reason most rebates have to be mailed in. Legal? Probably. Should we ever trust a "fixed" rate again? Never. They can, at will, send a letter and change the terms of the agreement. Of course people don't think of that when they sign up for a new credit card. Remember those 0% fixed for the life of the balance teasers? For one of my accounts, I caught the "we're changing your interest rate" letter and sent one back saying, "No thanks - I'm just going to pay off my balance under the original terms." Guess what they do? They double, triple the minimum payment. Pretty slick, right? Again, probably legal, but definitely immoral. 0% interest, but they can make you pay it back really fast. Back to the "we're changing your interest rate" letter that I didn't catch. Well, I didn't catch it because it was an account I never used. But since the credit crunch started, I dug it up again because it was a "low, fixed" rate and started using it. For months, my empty statements still said 6.9% on it. Once I started using it, my rate hit 16%. And I only know that *after* I get my bill, *after* I've made the decision to use the card under the assumption that I'm paying just 6.9%. Again, legal? Maybe. Immoral, yes. Yep, there's more. I was late by one day on several consecutive payments. Why? Not because I'm irresponsible - I put the due date in my Google Calendar and set a reminder that texts and emails me. What they do is they change the due date randomly each month in hopes that you miss a few and they can rack up the late fees. Nope, it's not "every 9th of the month but if it's a weekend, it's Monday or Friday adjacent to it." It's not every 4 weeks. It's not anything like that. They even admitted as much when I called to ask what the logic was. So, instead of the very easy thing to program, "Albie L has to pay every 9th of the month," they go out of their way to program into the system, "Albie L has to pay every (9+random number)th of the month" JUST to ***. I understand that times are tough. And maybe Capital One is just fighting for survival. Fine. But they made the choice to screw their customers and I hope that we've got long enough memories to stay away when times get good again. i.e., don't become a Capital One customer once the dust clears and they start offering low rates, etc. You WILL be screwed if and when the *** hits the fan. Stick with a small, local credit union. Even though my interest rate at Affinity Federal Credit Union was 9.9% during good times, it's *still* 9.9% today. No teasing. No changing rates. No changing due dates. Just good, honest, business.
Capital One in Newport News, Virginia - Beware of finance charges acrued after cc is paid off!
We have been Capital One customers for a while now and have a $15,000+ credit limit. Last month we paid off ALL our credit cards including this one. I called to find out what the payoff balance was and they told me the same amount as in the statement. I immediately submitted payment and considered it one Credit Card paid off!. Today I was opening mail and filing as necessary when I came across their last statement. I opened it knowing it was paid off and to my surprise, there was a "finance charge of $106.73!! I immediately called customer service since the bill was due today and this is pretty much what it boiled down to: I nicely asked them to waive that charge and he insisted he can only wave $10.00. I tried negotiating half way and once again he offered the $10.00. By now I told him how disappointed I was and if the issue was not resolved I would gladly pay the fee and close the account to which he responded " your balance is... and I can close the acct. after the payment clears!!" Wow, I am not to react when overly upset (you would have never guessed by the tone of my voice) but I truly was upset. I told him I would call back. Just a little while ago, I called back and by now, I was also being assessed a late fee of "15.00!! Still keeping my cool, I spoke to acct. manager who also offered to close the account since they can't negotiate on finance charges!!.. So, I am paid off and closed off with Capital One!! WARNING: if you are about to pay off credit card, when you call for your PAY OFF BALANCE, ask the name and of the person giving you info and write it down in a secure place!!.. Capital One has NO record of me calling and that is the reason they have for not waving the charge!! GOODBYE CAPITAL ONE!! One less headache in my life!!
Capital One trial subscriptions
Several years ago I signed up for a Capital One credit card. They actually sent me two...one with several trial subscriptions with it. When it came time to cancel all the trials (I should have done it right away!) I was in the hospital. I had a low credit limit, and the subscriptions that were charged to my account put me over that limit. So I was left with a maxed out credit card and over the limit fees. I called and wrote letters and they refused to reverse the charges. When I finally was able to pay the card off, I sent the check directly to their CEO with a nasty letter.
Capital One in Syracuse, New York - Consumer Opinion
To all complainants: We are all aware of the deviant business practices of Capital One; CapitalOne even refuses to identify their home offices and contact numbers, further shielding themselves from complaints and scrutiny. Warning: Under no circumstances provide your full ssn to anyone in India for charge card/auto loan inquiries! When inquiring, you'll be told your loan number doesn't come up; they are stealing id's. Only provide last four digits st most. I urge everyone to file their complaint with us Atty General at U.S. Department of Justice, 950 Pennsylvania Avenue, nw, Washington, DC 20530. http://www.justice.gov/ Enough complaints will initiate a federal investigation. Also check your state's banking laws, they're strict!
Capital One in Spirit Lake, Iowa - Captial one refused to close my account
I called on 11/9/09 to close my existing account with Capital One credit card and they refused to close it until it has a Zero balance. I understand that the balance would remain until paid off, I just no longer want to do business with them. I want it to be reported to the credit Bureaus that it is was an account closed at consumer's request on 11/9/09. I do intend to have it paid off by the end of the year. I am upset that they refuse to honor my request. They said that it would close AFTER the statement is printed with a ZERO balance. The card will be paid off before the end of the next cycle and I didn't want to wait to close it. It makes me angry that they refuse to close it when I requested to have it closed.
Capital One in Washington, District Of Columbia - Cap One Payment Protection
I was laid off 8 months out of 2009 and had it not been for payment protection I would have drowned. Say what you will about them, they have been GREAT to me and my credit score. They paid promtly, left me alone other than the occasional "are you working yet" form letter. I didn't even know I had it until a Cap One Collector called me to advise at which time they (Payment Protection) not only paid the minimum but also the arrears and fees the month past and brought my account current. This service was a savior to me when I needed it most and I would recommend (especially in the day and age) everyone get it when opening any unsecured LOC. Don - Columbia, MD.
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